Hello Bra2760, and welcome to the fun!
Please post some pics of your vessel, and we will be happy to help! If I can suggest, I would use Photobucket and simply cut-n-paste the photos in, they are big that way and we can provide more assistance.
One person can definitely do the transom change, I am going thru my transom change out right now on my Sea Nymph. I don't have the 195SS Model, but may of these are very similar.
If your transom is rotten, you need to check out your flooring and the dreaded foam that lies underneath! For me, all of mine was rotten, which has resulted in a complete gut job! Hopefully yours is not that bad, but be open to checking it all out.....the more information you have now, the better you will be in the long run!
Thanks,
Frey