Credit card touring is a term usually associated with being very lightly loaded (cargo) and often used where no camping or cooking is involved, but rather using motels and restaurants.

The last paragraph was to show what could be done simply by down shifting the rear. The 15T and 17T rear gears were just middle, more or less, examples of the gear inches of what is available with the 52T chain ring and how minor the 48T change could be. Gear inches apply to all bicycles, not just SS bikes.

Brad