I am a commuter and a utility cyclist, I live at the top of a good sized hill so all my 3-speeds have SRAM 24 tooth cogs, that gives me a top gear of 66 on my 26" wheel bikes, 73 on my Dl-1s, the other 2 gears are for hill climbing.
Have ridden only one informal century on my 1978 Schwinn Superior. Set off one day, realized I had gone 65 miles w/no effort so I decided to go for 100. Ending up doing 112. (Got home at 2AM.)