Here's my reasoning:
First of all I live in a rural area about halfway across the Northern tier on New York State. Riding in traffic will be brief, perhaps less than 10% of my riding. I live on the Northern edge of the Adirondack Park.
Second, I want a good highway bike that will also be fun in the twisties. A dual purpose machine so to speak.
Third, I have found that lower gearing can have a "placebo affect'. All the noise and fury gives the elusion of greatly increased acceleration when sometimes, that is not really the case. In fact, too low (numerically high) gearing can actually have a negative effect on acceleration once out of the hole. It all depends on the torque curve.
Last, I have a 110/90 X 18 rear tire that is almost 2% smaller than the stock 19" rubber, so increasing the sprocket tooth count by 5% wont have a significant affect on acceleration but will reduce RPM somewhat..
Here are some screen shots of the various combination. Let's concentrate on the 3500 - 4500 RPM range.
1: Stock 21t with 19" rubber
3500 RPM in 4th = about 64 MPH, not bad.
2: Current gearing 21t with 18" rubber
3500 RPM in 4th now equals just over 61 MPH. heading in the wrong direction IMO
3: Custom gearing 22t with 18: rubber
Now we are doing just over 64 MPH at 3500 RPM, just a bit more than stock. For every 500 RPM the speed in 4th increase by just over 9 MPH so 75 MPH will be at just a little over 4000 RPM and 80 MPH will be attained with less than 4500 RPM. 3rd gear ought to be a hoot for overtaking.
So given the fact that I have 18" rear rubber, my riding style and the environment I will be riding in I think adding a tooth to the gearbox sprocket to be worthwhile, especially since I already have the gearbox exposed.