I don't purport to be a tire expert. I just replaced worn-out Pirellis on my Passat that were 85 load rated and I didn't know the difference.
That being said, while tire shopping recently, I read this
article and took the time to look up the tire spec (inside the fuel filler door) for the Passat.
I found a
site that allows you to do an advanced search for tires by spec. You may need to hit "advanced search" and "spec" to get there, but then you can search by a combination of size and load rating. IIRC, the exact spec is 195/60-14 86H.
Hope this helps.
PS I ended up with Michelin Energy MXV4+ from Costco.