yeah I just get too impatient when I ride. I only know one speed - as fast as my legs can handle (which is often times not fast enough)
You'd have to mount a pretty whopping 60t chainring to get even 101 gear inches out of a 20" folder, while a typical road bike can offer 116 GI or so for you to mash. Given the same RPM, that's a significant speed difference. Most stock folders seem to offer a more modest 88 GI or so, so unless you're really crushin' the cadence, they give up a lot of speed to a 700c.