Just curious, cccsir - are you driving a '99 or '00 SiR?
I don't know where or how you drive, but thought I'd mention that putting Q-rated 185/65R14s on my '99 SiR was about the worst thing I've ever done, automotive-wise. Expect a very huge loss in handling and stability at highway speeds.
Sounds like your mind is made up, though, so I'd be curious to hear your thoughts once you get them put on.
As for studs, I think most folks would agree that they're not worth it nowadays, unless you are driving almost exclusively on unmaintained roads. I certainly wouldn't bother, unless perhaps I was living in Norman Wells and commuting to Fort Simpson on the ice highway, but then I probably wouldn't be driving an SiR either...