That is correct, but as the OP was fairly adamant that he wanted to stick to a 3 speed hub (which i agree is not the best choice for his needs) outlining various options can only help in the decision making process.

I have mentioned the Highpath wide-ratio sprocket upgrade in past posts. It is a fairly cheap upgrade and if you have reasonaby good mechanical skills, it can be fitted with little probem (maybe a bit of machining will be needed however). The only real drawback is that sprocket life on the 12t is reduced - worth taking into account if you are touring longer distances.