I can't surf behind my '17 AR190. Not nearly enough wake back there. The boat is too light weight to make a decent wave. I've not read of anyone putting enough ballast in a 190 to surf. Several have done it in a 195 though. Same hull, just more power and bigger pump in the 195. A 190 SHOULD do it, but I'm not sure anyone has tested it. Wake Wedge and swim platform ballast bag should get you close. You'll also have to run the L13 cone nd seal the intake tunnel well to prevent the smaller 155mm pump (the 195's get a 160mm pump)from cavitating. That's a quick Saturday afternoon of work, and is easily doable at the ramp honestly.
All in, you're probably $2.5k-ish in options/accessories to do it. $250 L13 Cone. $350 Custom Ballast Bag. $350 Wake Wedge. $100-ish for pump to fill the bag. $1,200 Hydrophase GPS Speed Control. Still much less expensive than a bigger boat, but a cost none-the-less. I could have some of these numbers wrong, but it should be in the ballpark.......Keep in mind, you'll need the same things for a 195, minus the L13 cone.
Unless range is a concern, the 195 will make a better platform to start surfing with, mostly due to the increased pump diameter. The 195 burns significantly more fuel than the 190 under heavy loads, and has the same 30gal tank.
Wakeboard, WakeSkate, Water Ski (double and slalom), Hydrofoiling, and Tubing are all done with ease behind the 190. Plenty of power to pull even the larger slalom guys out of a deep water start. If the 19' boat fits your size needs, you can find gently used 195's for under $40k.
@haknslash has one for sale right now I think.
*edit*......Forgot to comment about top speeds. SInce someone else mentioned it, thought I would toss it in here as well.
My AR190 will run around 42 with the bimini up and loaded with my family of 4 (2 adults, 2kids). That is flat out as fast as it gets. I've seen 43 on GPS once, but have never been able to duplicate it. With 6 adults and 3 VERY large coolers I was able to get about 38mph or so from it. If I didn't have the L13 Cone, I suspect it would have been even less. I think the 195's will run into the high 40's even with a considerable load on them. If speed is your thing, then the AR190 isn't for you. Buddy with a 150hp powered 24' Tri-Toon runs 35-37 regardless of load and has about 6x the deck space I do. There is a guy here with an SX195 that is into the low 60 range with some upgrades.