Not trying to be a prick, but do some searches.
You'll find that it's very difficult to get aftermarket rims that fit the Xterra well, and putting 32" or 33" SSR's is a tough thing to do if you plan to wheel the truck--they will destroy your fenders unless you cut them first, or body lift.
I was looking at my 32's last night and I think you would probably rub on the idler arm brace if you put 33x12.50 SSR's on stock rims, and adding more width in the rims is not going to help you.
I'm sure others can give you more information.
As to actually going from 16" to 15" rims, it's no problem at all, or at least I've had no problems doing it on my truck.