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18" wheels vs 20" wheels

Working on purchasing a 2016 Lacrosse but it has 20" tires. I don't like them since it provides a rougher ride. The 20" wheels are factory installed and part of the new car package. Is it possible to change these to 18" wheels with no impact to the vehicle suspension or performance other than the what would be expected with the size difference?
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People have driven straight to an independent tire store after picking up their new car and swapping out the wheels and getting a nice credit for their factory wheels, but some stores won't do this either due to liability concerns of selling "used" tires.
And yeah the ride and performance may be affected (for the better as you've found!), but I'm not knowledgeable enough to speculate on that.
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I can't personally see going to all that trouble to change wheel sizes. I just bought a different model with the 18-inch wheel rather than a 19-inch wheel being one of 3 factors that kept me from getting the next up top-of-line Malibu. Another was mandatory sunroof to get the option packages on the top model rather than getting the same options my my next down model without the hole-in-the-roof.
It's all choices.
2014 Malibu 2LT, 2015 Cruze 2LT,