i've owned a 1986 190 tournament for 8 years. great boat. i love it. if you want a large, agile and very stable runabout/skiff with tons of storage don't hesitate on the 190. if you want a mini cruiser and plan to run in a 3'+ chop a lot the 192 may be for you, but the 190 will handle anything the 192 does, just with slightly more water over the bow. based on running side by side with my friend's 192, my view is that in mild seas (up to a 2' chop) the 190 is as good or better. my friend's 192 will often porpoise when i am running flat and he will change our cruising speed because he can't get the trim right when i have no issues. i believe this is because you can trim the 190 bow down a lot more without losing any speed, especially with under 200lbs in the bow seats.
the 190 has been a perfect boat for my family with 2 kids running in semi-sheltered waters on the inside passage in bc. it can handle anything up to a 4 foot chop without issues (if you slow down a little) and i rarely have to slow down from my usual 32 mph cruise. you will get sprayed occasionally as soon as there is more than 2' of water.
until the kids both reached their teens i could trim the 190 bow way down almost flat like a car and in good weather that's what i do because it loses no speed and makes for a really smooth and scenic ride. now the kids are older i have to trim the bow up and the v4 struggles to keep it there with bow weight. get a 150 or more if you intend to ride with folks in the bow or exceed 40mph.
with the family growing, i recently upgraded to a 95 223 tournament with the seavee2 hull. i temporarily have two boats. i like the 223 also, but there are clear tradeoffs with the seavee2 hull and it's like i own a grown up boat now. i would gladly own a pre-seav2 hull 223 and, in fact, i am not 100% sure i like the seavee2 hull yet. it is amazingly smooth and steady but i have a much more conservative boat. i have lost the agility and responsiveness of the 190 and the bow, so far, runs higher than i would like although i am working on that.
one last comment is that the 1980s gelcoat on the 190 is nicer than on my 1990s 223. it is glossier with more lustre and does not seem to attract grease and is easier to keep clean.