I did this change with my Laguna coupe a couple of years ago. Changed from the standard 18" wheels to 16". Same reasons - suspension uncomfortable - fine for smooth roads, but of course we know that we don't have many of those.
I didn't consider the possibility of part exchanging wheels but simply bought a set of Laguna 16" wheels (having checked that the brakes etc would fit in) My thinking is that come the time I change the car, I'll put the original 18" wheels back on (although I realise that the market for my car will be minimal compared to a Mercedes AMG) But you know what, storing four wheels and tyres takes a surprising amount of space up!
I also told the insurance company who simply made a note on their file.
Ride is improved but still firm of course, because that is the inherent design of the car, and replacement tyres are/will be less expensive than 18" ones.
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