You'd suffer if you can't push big gears?
Most of these choices will be personal - and reflect the local terrain, your fitness, etc.
And how you'll feel @ mile 90 and 100 and 110 and 125.
I run a 30/46 double with 13/29 on the rear.
This gives me 27.7 to 94.7 with 700x28 - which is lower than your touring setup overall.
Most of my riding is in the 46...
For me a wiser expenditure of energy is fighting terrain rather than trying to overpower the wind.
I used to swap stuff around all the time, tuning my gearing per the event.
Now I just generally leave the 30/46 on and switch wheels. Not that I gain anything by that - but I go to a 13/26 instead of the 29.
YMMV