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The fat setup make the rims look smaller. My 19's look like 20's with the non-fat setup. I am on a diet when it come to rims and tires. Cut the fat.
The way to keep wheels from looking too small with the fat setup, get wider wheels. When I had 8" and 9" the wheels looked too puny. They look much better with 8 1/2 and 9 1/2 wide wheels. Go for 10" wide rear and really look cool.
Didn't your girl tell you a little fat gives her more to love....and grab on.
I live in NY too and I also have been considering going 19 instead of 20 becauase I can't afford to replace bent rims and tires... I have been diagnosed with Leadfootitis !