Decision support Winter tires Arona FR (XL, Speedindex)

Hello together, as we all know, it’s slowly coming back to the winter tyre season, and for this reason I am currently looking for suitable winter complete wheels for the Arona FR 1.5, which my mother has been driving since June of this year. As summer wheels the car has the serial 18 inch on it, with which it is quite tight on the road. The winter rims are to become 17 inch, model Dezent TZ in 6.5J x 17 ET48. As tyres the Vredestein Wintrac Pro in 205/55 R17 95V XL seems very attractive to me, because consistently good test reports, rim protection and fair price. However, the high load and speed index is a bit worrying me, because the car should not get even harder. Alternatively, I have chosen the Continental TS850P with 91H, but this is more expensive, older and has no rim protection. Do you possibly have any other tyre recommendations for the car, and how much does a too high load/speed index affect the ride comfort? Have unfortunately no experiences and will not be smart from older posts!