Personally I would go with the 205's. After all the times I drove in the snow in Dallas, and in Colorado I had better luck with wider tires for some reason. 195's are good in snow for most people because you can just cut right though the snow, and ice.
You cannot run 14 inch wheels with a R15 tire. You either can run the same size you have now for the winter tires, or a 195. Personally a 185 wouldn't fit, but correct me if I'm wrong. Hope this helps man.