Right now I have a 12-27 actually and use the bike for commuting with rear pannier loaded with work clothes and lunch, a few tools, pump and tubes.
I don't like riding big and big and feel pretty comfortable in the 19, 21 and 24 sprockets. I worry about being fully loaded (credit card tour) with front and rear panniers and handlebar bag and not having enough larger sprockets. I guess I could shift down to the 34 ring in the front if it gets too difficult. I was wondering if the 36 sprockets would be too big and maybe going a 32 or 34. Maybe I am over analyzing it!
This spring I am planning on a couple for short tours, around Lake Ontario and one around Lake Erie.