suggest you load up your bags with groceries and then find some hills.
imagine you'll be fine on flats and coasting downhill, but uphill with
those gears and that load..........

for me.....biopace is just crazy, i'd switch to round rings.

the front is too big for loaded........i'd go with 22-32-44 or whatever
comes with a standard mtb setup.

the back is to small for loaded.......i'd go with a 32 or 34. don't matter
what the little cog is, 11 or 12, since i'd never use it anyways.