I ride 52/15, anything less would be too frustrating, I guess it depends on the type of person you are, If you're the type of person who doesn't mind waiting a couple of seconds for a web page to load; go with something like 42/15 but if you've thrown your smart phone against a wall because it took too seconds too long to access your email; go with something with a little torque!
Do you ride everywhere at 28mph?