I'll have to go out and make sure I know what gearing I'm using, I mean to scrutinise it, so that I can figure out if a change of cassette, a change of chainring, or both will be a better option.
Gearing really depends on your usual terrain, what I can get away with and what others need in hillier areas are two different things, I know if I am doing more hills I don't miss the 18th as much, but thought of losing the 16th as well ....... my fitness levels are that I could manage most things on my setup excluding the 26th inner ring,
These are the gear inches of what I am looking at doing next week when I can afford the cassette, the second table is what a typical compact would have to cover the same range
Like I said my average gear is 61" and my last chain lasted 3651 miles, mainly Autumn/Winter riding, I use the 38x24 I currently have which is 55" but not very often the 27th so for me the setup I propose should work better (best laid plans and all that) it might not work in the real world though, but you can see that almost all my riding is done with the chain in the middle and pretty straight. I really don't think people give it enough thought, only as after thought when things are tough.