The 195/15 set (if you stick with 65) is not too oversized, the Rim width is about 6" and that "bolt" patten is 4 X 108 mm or 4.25" spacing.
The rims for that car - the OEM ones anyway, run a pretty hefty price, so aftermarket will be less but the 4 X 108mm sizing is not common - so they (Ford) kind of soak you for this uniqueness. Aftermarket follows suit.
The Odometer is affected but who's is counting these days - barely puts you over +1MPH error to the positive (speedier) side when you see 55 on the Speedo. Your car covers more distance on those wider tires because of that ratio number the 65 as the sidewall to width ratio is...
It is when you go with 70's series versus 65 - and then you have to think about clearance to the INSIDE of the wheel well (rum-drum rub on sharp turning) because even a 185 series tires using 70 versus 65 it raises the height from the road - hence the rotational distance (your Pi = 3.14159 stuff and radii to distance to circumference) - that number affects your Odometer and speed ratios in calculations.
That extra width and height Affects the amount of room left for the wheel to bounce, turn, boing and bump over roads and obstacles - not just potholes - but curbs and the occasional debris. Gravel roads? Well, yes, they may be more forgiving but that uneven surface affects this too.
The height changes from 185 to 195 and keep the same sidewall number - that change is LESS than to change the tire from a 185x65 to a 185x70 series - simply due to the ratio number.
It's why Rim sizes, when yuo go greater - you get that funky tire thickness - makes the wheel look the way it does, you increase the diameter - the tire size needed changes - the SIDEWALL number is smaller - meaning less sidewall height - so a 15" rim you usually use 65 series, while 16 inch rims change the requirement to 50 to 55 on that Sidewall ratio. This makes the rim to tire - the rubber is less height from the road.
- Which gets you into a danger zone of height and absorption from impacts, the tire has only so much room to give, and if not considered, a simple crack in the pavement can even dent and damage the rim from just rolling over it too fast.
Not to overthink - just be ready because larger tires may grip the road better - but you trade torque for that rotational distance covered. What you gain in distance is offset by the loss of energy present in the torque to move the car forward (or direction you want to go) Friction losses to poor alignments cause tire scrub - so keep the alignment in mind and condition of the tires will last a lot longer and you're less likely to notice acceleration losses from the switchover to that new size.
You mentioned a set of sportier rims, just wanted to let you know that I've seen some pretty rims wind up on roads not well maintained (Thanks Gov...) and have turned into disasters - and with undercarriage and suspension damages as the result