Cool beans! I just bought a 520 on sunday too. I loaded the bike up, and headed up some big hills. I would not want that gearing if I was on tour. I am swapping out the 36 for a 24. Head for some tough hills and toss tons of weight into your panniers just for a demo. Make sure about the gear selection before you head out on a real tour.
As for the gearset and commuting, its just fine. I would be completely happy with it, and probably not go into the granny much at all. It is all directly relative to the load you will have on the bike and the size of the hills on your commute.
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Sailing and Cycling make the world go 'round. Quietly Too!