I'm not sure why you're concerned about the tires' load rating, on a Civic Si virtually anything that comes up is going to easily cover the car's max GVWR.
If you're willing to order online, Tire Rack has a
185/60-16 for a 24.7" tall tire that is a skosh narrower than the 195. It has a AA traction rating and a 240 treadlife rating, suggesting it's a fairly hard compound.
I generally think taller/narrower is the way to go, other factors being equal.