No worries mate. Glad I could help
How much does this actually affect your speedo?
Depends on how big the difference in tyre size is In the sizes the OP was talking about 205/45/15 is 5% smaller than 195/55/15 so the speedo will read 5% too fast
Just use this will give you all the answers... http://www.1010tires.com/tiresizecalculator.asp
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