I don’t know about the OP’s 30t granny and what cassette he has but both of those are inexpensive to change as I did going from a 30-42-52 crank and a 11-32 cassette to the 24-42-45 crank and a 12-36 cassette. I agree tour bikes like my Windsor Tourist are set up too high for being practical as a loaded tour bike as sold.

The OP uses his it sounds about the same as I do when he uses it as an around town bike. Depending on what kind of hills he has dropping the granny to 24 or 26 makes it much more of a hill climber loaded or not. The 52t ring though always seemed too high to me for touring or not touring in a heavier bike like this. I don’t miss not having a 120 GI high gear even on down hills.

Point being with the smaller granny, larger cassette and the 45t big ring I got an evenly spaced gearing running from 17.7GI to 101GI giving me 19 proportionately even spaced gears or 21 useful gears as the only hard shift of them all is from the granny to the middle so I left a 2 gear overlap in the pattern there. That shift has to be a soft shift the rest including the 42-45 shift work fine under power even. I just back off a smidgen doing a half step.

With gearing like this the bike could be used around town grocery getter, credit card touring or loaded touring. What it won’t be is a competitive ride bike for group rides and such. I find a touring bike the perfect bike for a lot of people that might not ever go on a tour.

It would be great if the bike came with the 42-45 half step with the 30t granny and a FD cage made for the task and a cassette that gave half steps in the range I got. It is almost like they have a bunch of old road triples and they use them up on these tour bikes.

Like the OP I thought a long time about tossing the 52 and putting a bash guard on there. I’m glad I didn’t.