Simple calculation... Let's start with the original 165/60R13 wheels & tyres.
The wheel's radius for a 13" wheel (without tyre) is 165.1mm.
But you also have a tyre, and the height of the tyre is 60% of the width (165mm), which equals to 99mm. So the total radius for wheel and tyre together is 264.1mm.
This gives us the circumference: 2*pi*radius = 2*pi*264.1 =
1.66m.
The same calculation for the 195/40R16 results in a circumference of
1.77m.
For your 195/45R16 it's
1.83m... and my 195/45R15 it's
1.75m.
So you can see that - compared to original wheels and tyres - the 195/45R15 tyres "only" have a difference in circumference of 9cm (
5.4%) and your 195/45R16 a difference of 17cm (
10.2%). Draw your conclusions from this...
I'm spent now...