While it MAY be true that a 195 keeps the oil cleaner and makes the engine last longer, I've only read that the 195 is used because of the requirement for the engine to reach a certain temperature so the computer can make the switch from open loop to closed. Guys over on one of the LIGHTNING forums I frequent, put 160's in their trucks and re-tune the computer to work properly with them (no Check Engine Light).
As I said, I've has a 180 in mine sine like 2004, 13 years and over 100,000 miles. As for the oil being cleaner, my sister had this truck from Dec. 2009 to Sep. 2013. She put over 40,000 miles on it.
So four years and 40,000+ miles later, I finally get it back from her, she never changed the oil once in all that time. And my findings, NOTHING. All cylinders are good on compression, no funny knocking noises under or anywhere in the engine. So it did no harm.
Also, I've used full 20W-50 in this truck since I bought it with 10,000 miles on it in 2001. Never used anything less.
So, in the end, I am calling b.s. to hotter being better for anything. At a ripe old 55 years old, I've always been told, and always believed, that cooler is better. And never had anything untoward happen to prove that wrong. Except a check engine light for using a 160 thermostat in a computer controlled vehicle. Never happened back in the days of carburetors and distributors. I always changed the thermostats on any vehicle I bought to a 160. Had a 78 455 Trans AM for years with a 160 in it, ran AWESOME. Had two Nissan "Z" cars with 160's in them. A Mitsubishi 3000 GT VR4 as well.
It's got very near 148,000 miles, is 19 years old, has had a 180 for 13 years, and used 20W-50 for ay years. Years ago, a cat here tried arguing with me BIG TIME that it was a mistake to use 20W-50. I use it in all my vehicles, including my 2004 Lightning, which is supposed to be a 5W-20 truck. Hasn't hurt a thing, except maybe fuel mileage. The whole purpose of the colored water oil is so companies can meet their CAFE requirements. No other reason to use colored water in your crankcase.
BYE-BYE now.