OK, this is confusing, I'm confused, and I wrote it, but here goes. Someone please correct me if I am wrong.
The numbers are kind of arbitrary, and if the width changes, the backspacing will also change with the same offset.
15x7 3 1/2 backspace is 0 offset (3 1/2" outer rim to flange)
15x7 4 inch backspace is 1/2 inch -offset (3" outer rim to flange)
15x6 3 1/2 inch backspace is 1/2 " -offset (2 1/2" outer rim to flange)
15x6 4 inch backspace is 1 inch -offset(2 " outer rim to flange)
In the above numbers the backspace varies by 1/2 inch total, the offset varies by 1 inch total, but the position of the outer rim in relation to the drum/rotor face (frontspace?) varies by 1 1/2 inches. I believe only the bottom 2 will fit.
Basically, the outer edge of the wheel needs to be2"-2 1/2" from the part of the wheel that goes against the drum or rotor. On a 7inch rim, that would be 4 1/2" to 5" offset. What we are really dealing with is the front spacing, the outer edge of the tire/wheel is where it will hit. Also, 195 width will be 5mm wider than 185's, you need to add the tire clearance into the picture too.
Positive offset makes the wheel stick out of the fender, negative offset makes the wheel tuck into the fender.
Look here
http://www.311s.org/tech/wheels/offset.html
I have 200sx wheels on my 2000, very negative offset, nice clearance in the rear, added a 1/4 spacer in the front to clear the too small center hole, but still fits in the fenders. My car is severely lowered, so I am dealing with tight clearance. Rear fender lip is rolled, front is not.
If you can borrow a set to try out, great. Otherwise, you might get stuck with a set of wheels like I did.
Let me know if you need any measurements.
What I did to double-check clearance was to jack up the whole rear by the axle, both wheels off the ground.so it was level left to right and take off the wheel and drop a plumb line (string with a bolt tied to it) from the innermost part of the fender lip and measured to the axle flange. This tells you the maximum amount the tire wheel assy can be from the back side of the wheel flange to the outer edge of the tire. Check a mounted wheel/tire by laying a straightedge across the outer sidewall of the tire across the center of the wheel and measure from the straight edge to the back of the wheel flange. This # must be less than the distance from the string to the drum or rotor.