110-120 psi is fine in 25s for 235 lbs. or rider weight and some panniers - and I should know, being at 240 and running 25s. I don't let my rear tire get much below 100 psi, and I don't let the front get below 80. I have yet to have a pinch flat.

You can go up in size for a cushier ride. You won't notice much difference in top seed, but acceleration will be a bit slower - it's a subtle difference, though. If you like to ride fast, you'll notice it, but if you're a slower rider, you likely won't.

Topeak Road Morph G FTW.