>>You can get a different, cheaper size, as long as it doesn't rub the wheel well or bottom out.
In the UK you have to tell your insurer if you do that and it can impact your insurance significantly in some cases. The best one I could find was with Aviva they allow 10mm variation in width of the tyre from the manufacturer spec, so if the original size was 225/45 you could buy 235/45 or 215/45, but anything beyond that would require you telling them and have an impact on your premium. Chaging the rims to a different size always requires telling the insurer, even if they are the manufacturer's original rims(which is incredibly dumb, I bought my car with factory 20" wheels, I bought an original set of wheels directly from the dealership in 19" size but I still have to tell my insurer because it's a "modification" to the factory spec of the vehicle).