I have a set of T/A V's on my civic and am looking at getting a set for my Forester.

 

Is there a real difference between the T, H, and V? All three speed ratings come in this size and obviously get more expensive the higher the rating. Squishier sidewalls on the lower rated ones? Harsher ride? Hard to compare to the size I'm running on the civic as it's a 195-55-R15

Difference is largely the ability to reject (or not generate in the first place) heat from speed, and tolerate all the other stresses associated with speed. There may be a subtle difference in ride quality due to sidewall stiffness, but personally I doubt one would notice unless really paying attention or pushing hard.