Winter Tires - Speed Rating & Downsizing

Hello:

A couple of questions for the forum. I have an 07 Camry LE. I am buying winter tires for her. I am considering a set of General Altimax Arctics. These fit my budget and are highly rated across multiple sources, including Consumer Reports and several others.

For tires, the OEM/Camry owners manual specs are 215 60 R16 94 V - i.e., 16 inch with load rating of 94 and speed rating of V.

Question 1 - I am having a difficult time finding WINTER tires that have a speed rating of V. In fact, many of the winters (including the aforementioned Altimax) seem to be rated a Q, with an odd one here or there rated an S or T. I know that a Q is rated for 160 km/hr and that I will not even come close to driving that fast, let alone for any length of time! But does a higher rating (in this case an S or T) mean the tire is "higher quality" and will last longer?
Also will the lower Q rating mean performance problems or drawbacks of any kind for my "V-rated" Camry?

Question 2 - I have heard that the concept of putting on a smaller tire for winter (in my case 15 inchers instead of 16s) is somewhat an outdated concept and debatable benefits. Any experience to share?

Question 3 - I assume it is ok to put on a tire with a higher load rating (in my case a 95 vs. the OEM rated 94)

Apologies if these are newbie questions but my first winter!

Thanks!!

snow tires will almost always have a lower speed rating since they don't expect you to go as fast in the snow as you do in any other weather condition.

load rating is important but usually will not be a problem on snows

downsizing negative one is not a problem if the caliber clearance is ok, thinner tires usually track better in the snow so it is preferred & when doing rim/tire package it will usually be less expensive & easier to find.

I guess 15 to 17-in rims with bolt pattern will suit Camry.. which one did you try?