I spin +87rpm with 81 gear inches. Cruising. When I start pounding it I get up to and above 120. Wind affects these numbers obviously.

As has been said before here, find a gearing that works for you. Not some number you read. I went up from 44/15 to 49/16 and found extra speed and cadence. My legs could handle it and the hills were not affected. Find the gear that works for you.