As I suspect Doug64 did, plan on changing out your crank, or at least your small chainring. An amazing number of pundits and manufacturers don't see the need for low at or below 20 gear inches.

And don't discount the "two foot" gear. There are a number of hills I can't climb on a loaded bike. When I get off and push, there's very few in that category. Though I'll admit sometimes I want a soccer shinguard...