the 195, not ironically.. is where I stopped as well.
I have car that can go tiny 13 inch, all the way to 31 inch mudders...
that 195 for the standard gear ratios,power to weight, has abeen a long time winner for alot of machines. I have even spotted it on rwd v8 vehicles.
its that 24.5 inch math again..nobody really says why... I can be the weird one to say it has something to do with the earth.