I heard from someone (who I believe worked or had worked at a BMW dealership) that the 195s are especially used for our cars because it has to be strong (for the torque and additional weight maybe). I havent cracked one yet, and I love the look of the wheels. But yes, they are damn expensive. I do drive paranoid. I had a passenger criticize my driving once as dangerous for bicyclists.
But I wouldnt swerve around a pothole if there was a bicyclist next to me.
Nevertheless, I thought the 195s were especially chosen for their strength. I am dubious that you can get a stronger wheel if it is lighter.
I dont go to the UK forums much, but I recall seeing a huge discussion about a class action suit against BMW for cracking wheels. I dont know if the 195s are offered in the UK, but you might ask there if they have seen problems with these wheels.