One solution to the problem of tall gears at low speed, or with big cargo in a little bike motor is the old school trail 90's. Before they had the cool sub tranny, they had two rear sprockets, and a chain with two master links. one length for big sprocket, then pop both master links and use one to put it back together on the little sprocket.
You could have one optimized for runnin' light, just you and the base weight.
The other one would be for the extra 300lbs cargo you were talking about, crappy roads, hills, passenger if you ever go that route, whatev!
my old one took about 3 seconds to change with no tools too.
Quicker than putting your passenger seat back in :-)
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