The important thing is to try and maintain rolling circumference, also look at the range of wheel and tyre combinations on other model xc90's and find a set up use by the manufacturer. Wheel size would be better sacrificed for a higher profile tyre with winters in my opinion. Having just changed in the last 2 weeks from a 2016 Q7 which came with standard 20's I dropped down to a manufactures setup on 19's. My problem now is forgetting I am in a v90 and not a q7 when it come to kerbs, I ve got to watch them now.
I would add I totally agree with you on winters, you still come across the misinformed who think they are for snow. The increase in braking distances, when temperatures drop, when using summer tyres as opposed to gains in stopping efficiency when using winters is a no brainer. What gets me is people think they have a 4x4 (intelligent people as well) that it will help them stop!
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