It would depend on the bike/ riding position I guess but just to give you some perspective: I can climb comfortably on 38gi on my road bike and very rarely go over 95 unless its a massive downhill, I probably wouldn't be able to use 78 much unless its a very long flat road and I can get up to speed (note: I'm a girl and bad at pushing big gears) . Personally if its mainly a town bike I would gear down a little, but that would give you a very spinny direct drive gear.
It would depend on the bike/ riding position I guess but just to give you some perspective: I can climb comfortably on 38gi on my road bike and very rarely go over 95 unless its a massive downhill, I probably wouldn't be able to use 78 much unless its a very long flat road and I can get up to speed (note: I'm a girl and bad at pushing big gears) . Personally if its mainly a town bike I would gear down a little, but that would give you a very spinny direct drive gear.