"I race Single Speed mountain bikes, so I am very familiar with these thoughts running through my head during a ride."
I ride a 22-speed Trek road bike and hardly ever get on my mountain bike, although I'm a member of the Blackstone Valley Mountain Bike Association, part of the NEMBA, which I joined when they were looking for funding for a land purchase. They're a big group that bought their own chunk of land (47 acres) and turned it into a technical bike park that they named "Vietnam". I rode it with a small group once - Once was enough for me - and then went back to my road bike!
Oh, and @DannyP - You're right. I checked my spec sheet and my 1'st is a 3.78. I was right on the other gears. gn