The problem is that some tire shops will not install a tire with lower-than-OE load spec. For that matter, some shops will not install a non-OE size tire even if it does meet the load (and speed) spec. And as far as I know, no one makes a 195/60R16 tire.
With all that said, I would not hesitate to run the 195/55R16 winter tires if you can find a shop to install them, AND if they pass inspection from both you and a tire pro; they have lot of good tread left; you bump up the pressure a few psi; and you plan to drive conservatively, seldom if ever getting near the weight limit for your vehicle. Also be aware the speedometer and odometer will be off, slightly.
That's a lot of ifs but if you take all that into account I think you are good to go.