The 5cm difference won't necessarily make the wheel or tyre more susceptable to damage. They all have slightly different sidewall stiffness, and I would assume (I have little knowledge of all weather/ snow tyres) that winter tyres have stiffer sidewalls than summer performance tyres anyway.
Really. it's only when you go for a much bigger wheel and get down into the 30- 35 sidewalls that you would suffer.
I think 45;s would be fine. The 225 is just more grip.
I have 235 45 17's on mine and the ride is fine, and we have some pretty bumpy roads.