Of course it all depends on the type of cadence you're used to. However it seems to be on the low side for general (non-hilly) riding.
I ride about 15% higher gearing (46/17x700c) and find it reasonable. Any higher and I couldn't climb when I had to, and any less and I'd run out of rpm long before I ran out of power on flat ground.
But I'm me, and you're you, so that's what matters.
Think about the gear combinations that see the most use on your current bike, and set this bike up toward the lower end of that bunch (you have to have something to climb with).
OTOH - since zero cost is a goal, you could set it up, and give it a go. Measure the chain so you have room to slide the wheel back if you later chose to drop to a 19 or 20t rear.
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