Ladies gear ratio

Regarding gearing, people* know I favour & recommend 65-70" for the summer, and 60-65" for the winter; for general riding and/or urban commuting. I think most people overgear - I've heard all the arguments about individual physiology - and wish them well if they hope to be riding into middle age and beyond.

Personally I totally agree, most people do overgear, especially considering mostly they are urban cycling which requires a fair amount of stop/start riding.