Currently running 2 95 Estates - first is a 56 plate 2.3t Auto, second a 59 TiD manual.
On the auto have run Nokian WRG2 225/45 17 V XL all year round - fantastic in winter and no probs in summer (a bit noisy though) getting about 22k by time they need replaced at around 3mm estimated late Oct. Trick is to get them falling below 4mm in the spring and not in the autumn! Fantastic tyres. Wouldn't fancy going below V rating in summer - it's not just about max speeds but about ability to deliver power on hot dry road.
On the diesel, carried over from previous car, running summer tyres from April to early November on 17" wheels, then swap to winter tyres (again Nokian) on spare wheels (bought from ebay - 93 wheels with different offset but no probs) with 205/55/16 T rating. Reason we swap is that travel on hot French motorways in summer heavily laden so keen to use full summer tyres for that. Also do a lot of miles so less of a problem in cost differential in running two sets.
So depending on use, either use summer friendly cold weather tyres (would not look past Nokians) or swap. Winter performance unbelievably better - much more secure.