The other thing to consider is where you live. I have one road bike (a Riv) with 34/48 x 14-25 nine-speed gearing and another re-habed road bike with a recently purchased Riv-modified Sugino 26/40 crankset coupled with a 13-23 five speed freewheel. I live in an area that is basically flat with the exception of a few short, sort-of-steep climbs from river banks to the top of ridges. In other words, I use gears in the mid-60 inch to the mid/upper inch 70's most of the time without any problems. If, however, you live in mountainous areas where long, steep climbs are are frequent, you'd need a triple crank with a cassette/freewheel with a much greater range and more gears. Almost all of what I read on these blog posts seems to come from those who live in those mountainous states. So, it depends.