So we all have different needs.
My current ride is 40 x 11-36 and I'll frequently swap out for my 11-42 because I know I'll need it. In fact, sometimes I want even lower.
I only ride in the mountains.
Descents are switchbacks, rutted, and washboards. That keeps me away from maxing out my gears. On the road I'll occasionally want more but I just tuck instead. Amazing, my speed is pretty much the same.
These bigger ring bikes seem too high for my stuff.
Even on the flats, I'd need to average in low 20s to need more gears. I can only do that on perfect days on pavement and a road bike. No risk of that in the dirt.