No offense bro but I think you should reconsider the cycle. Even at 15%, at 195lbs now you're going to be disappointed with your physique at the end of the cycle. You should just be running a simple lean bulking cycle W/ TEST and mild cardio, and I think you'll come out bigger and leaner. Unless your cutting to make weight or something. The way I see it your well below your genetic limits and your not looking at an intense cut anyway. With patience you could do it naturally, then run an all out bulk and either way you'd come out much further ahead. Just my 2 cents.