Welcome!
Depends on your needs. The 195 series has a supercharged engine which makes about 70hp more and a larger jetpump to get more thrust. That translates to more acceleration and higher top speed, but at the cost of premium fuel.
Heat soak was an issue with the older supercharged intercoolers on the 192 series. The 195 series has a larger and more effective intercooler and works well. Heat soak isn't really an issue with normally aspirated engines.
The towers are about $3000 and you'll need to add materials to mount it properly. If you want the tower, get the AR model and consider getting a chair (or the "195s" premium model with tower and 2 chairs). The chair is a LOT easier and cheaper mod than the tower.
Glad we bought this year, don't like the 2021 colours for the 212 series - yuck!
Good luck with your decision and enjoy!