For me the numbers you provided ( 195 gram head, 52 gram grip, 92 gram shaft, 45.5" length ) should equate to a final swing weight of D5 to D6.
If it were 46.5" length I think it would be an E2 swing weight club. How are you measuring the finished length of the driver ? It should be measured from the butt end of the grip to the point where the hosel begins to curve and becomes the sole of the driver.
I usually measure my driver lengths based on it with sole flat on the ground in address position measured from the point it touches the ground to the butt of the grip. As in this diagram. That measurement is 45.5"
One of the things you may not be taking into consideration is balance point based on the shaft weight distribution. With my Oban Isawa Red, the balance point is about 12" from the ground as described in the above diagram.