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There is less sidewall with the 40s compared to the 45s so the ride would be harsher, but I doubt it would be noticeable. Your coilovers would be able to compensate for any wheel gap if you move up to 245/40 from the stock 225/45. According to a tire size calculator 245/40 is closer to stock so you would have a more accurate speedometer.
I imagine a 245/45 is a more common tire size and will be cheaper. Its nearly hair splitting differences between the two of them, go with the size you get the best price for.
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