OP here, thought I would get us back on track ;-)

I came up with a good idea for a second wheelset, that does not overlap with the road bike though would only be applicable to some folks...a touring specific wheel. The road bike has no mounts for racks and such. The gravel bike has more than I know what to do with. So I would slap on a 700x32 and tour mainly paved, but rail trails and light gravel would also be fine. And leave the 650x48 for mostly gravel and dirt rides.