This one is 33:11.No, the 860 isn't a chugger and this isn't ideal. A 6th gear would be!
On the other hand, 70MPH is 4,600RPM, quite buzzy and lively for acceleration. Much quieter at 60 in top and still pulls for overtaking. I never use 4th for driving, even in 50 limit. Always changing up.
I tend to change gear at 4,000 on the open road, which will be 70 on the new ratio. I will have to use 4th to drive in 50 I expect and that is what I want.The bike is quite flexible in town, but no, don't expect to pull any stumps out at 2000 in third. Keep it spinning, don't lug it.
I'm always solo, minimal luggage apart from local shopping for my mum. Flat landscape with the odd hill. I can easily switch back.