I have learned to never argue about how large a tire really is unless I put a ruler on the actual tire. The numbers are just a rough guide within the same brand and style of tire. I have measured many tires and find that the same numerical size may vary by as much as a inch between brands. there will also be variation within the same brand as you go from one tread style to another.
The rim diameter (14, 15, etc) are pretty firm, but the width and ratio are open to interpretation by the factory. I know a factory rep or salesman will say otherwise but the ruler (really a large caliper is better) will tell the story.
Many companies catalogs or web sites list the actual inflated dimensions. that is a much more reliable method for picking tires. If you are going too extreme, the only way is to put them on and see what rubs.