My preferred setup is 36-49-52 front, and something like 13-15-17-20-23-26 or 13-15-17-20-24-28 in back.
With a 5 speed cluster, I like 36-48-52 with 13-15-18-21-26 or 14-17-20-24-28.
The 28 vs 26 max cog just determines how often I have to resort to the 36T granny.