Congratulations Pawntan on your new 195BH.
I'm no expert on weight distribution hitches (WDH) but this link from etrailer may help you decide if a WDH is needed: https://www.etrailer.com/faq-weightdistribution.aspx
For us, when our trailer was first hooked up to our 4X4 Yukon, there was noticeable sag at the rear (new shocks 2 yrs ago). The WDH equalizes the weight on both your trailer and tow vehicle axles. With the WDH the Yukon's sag disappeared. Here in NV we get occasional strong winds. The WDH significantly reduces the amount of trailer sway when driving in windy conditions. With the WDH, our trailer just tows real solid behind our Yukon. Our WDH is the type that uses two bars as the tow arms, not chains. We will be on long trips out of state several times this year. The WDH will give us a much smoother ride for long trips.
Any other owners of 195BH or small Cruse Lite trailers towing with or without a WDH? Comments welcome.