First, the 195/70/14s are a smaller diameter, and narrower, wheel. You should be running, minimum, at least a 205 for proper grip. The rims you want to get, through your link, are 15" rims, instead of the 14" rims you're running now. Have you had issue with braking distance?
Second, the gears that were referred to is the gearing in the differential (the rear axle). As you have a '92, like I do, I'd say that ten to one, you have an axle code 84 (check your door sticker for the axle code), which means that you have a 3.45 gear ratio for the rear gearing.
What this means is that for one turn of the driveshaft, the rear axle turns 3.45 times.
Having said that, putting the 15s on your truck shouldn't be a problem; most Explorers have a 15" stock rim size, as well as the 2nd-gen Ranger 4x4s also having the 15" wheels.
As for tires, you could run a 30 or 31" LT tire and be fine as well. For normal driving, the way you have said that you do "everyday driving," I'd go with a 225 or a 235 tire, namely a 225/75/15 or a 235/75/15. If you wanted a lower profile tire (less sidewall), go with a 225/70/15 or a 235/70/15. The other choices you have, for daily driving, are the stock 215/75/15 or the 215/70/15.
Now, in case you're wondering what all those numbers mean, here is a guide to help you:
On a tire size, you'll see this: Pxxx/xx/xx.
The P stands for passenger; in this case, your truck is considered a "passenger" vehicle.
Next, the first number--xxx, or 235, or 195--is simply the tire width in millimeters. So, a 215 tire is 215 mm wide, from edge to edge, on the tread.
The second number, the /xx/, refers to the aspect ratio. In this case, when you see a 65, or a 70, or a 75 as a middle number, this refers to the height of the sidewall, and how much less it is than the tread width. In the case of a 75, for instance, that particular tire would have a sidewall that is 75% of the tread width. The same thing goes for a 70; the sidewall would be only 70% as tall as the tread is wide.
The last number, the xx, refers to the rim size in inches. In most cases, you'll only see numbers for passenger vehicles--stock, mind you--from 13" (early Honda cars) to 18" (2012 Camaro). There are other rim sizes bigger than 18", but the problem is that the bigger the rim size, the more you tear up your differential, unless you compensate with a bigger-numbered gear ratio, such as going from your stock 3.45s to, say, a 4.88 to run 22" rims.
All in all, do some research online; becoming educated about things like rear gear ratios and tire/rim sizes isn't too hard with the interwebs in existence...at least, not any more.
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