1. It's definitely not a problem with Newtonian gravity. In the planetary regime it's completely kosher.
2. Are you comparing your result with the value that used to be on Wikipedia (as this page does:
https://www.astronomicalreturns.com/2021/06/roche-limit-radius-of-disintegration.html)? It's not there any longer, as isn't their derivation, and I don't feel like dredging the edit history as to why. But I it was divergent from what you can find elsewhere (e.g. Zelik & Gregory, Astronomy and Astrophysics, similar derivation here:
https://www.astro.umd.edu/~hamilton/ASTR630/handouts/RocheLimit.pdf) - it had a 2 under a cube root in one place, instead of 3, giving too low a value. Possibly because it ignored orbital motion, but it's just a guess. You ignore that too, but it's not the main issue.
3. Even using the ex-Wiki value, you're not off by 195 km, you're off by 195km-6370km. Your d is distance above Earth's surface, not the distance from the centre that the ~9500 km indicates.
4. If I see correctly what you did there, the mistake in the derivation is that you've set up the initial equation for where the gravity between the two bodies is equal. This is not the condition for disintegration, as the satellite can very well be accelerated in its entirety by such gravitational potential and not suffer for it, as long as it's done uniformly. You need to set up the equation by comparing the tidal forces on the edge of the satellite to its self-gravity. Check the references above for example derivations.