If you don't open it up much (i.e., no straightaways longer than a mile or so), lower gearing is OK. For riding around Boston (lots of traffic mostly flat but for a few notable hills), I run 42 x 15 with 700 x 35 cross tires. If you decide you want to roam more freely around Ontario (it is Yours to Discover, after all), you might like something a little steeper.