The 1.3 TC ratio plus V8 5th gear sounds like a decent compromise. 
But if you want to work it out for yourself and see differences using this gear and that widget .. have to played with the Ascrofft ratio calculator for yourself. 
Ashcroft Ratio Calculator.
There's probably some COVID lockdown time wasted(dunno where moonlight flat is!) just playing with the various permutations this little widget is capable of.  
				
			 
			
		 
			
				
			
			
				Arthur.
All these discos are giving me a heart attack!
'99 D1 300Tdi Auto ( now sold :( )
'03 D2 Td5 Auto
'03 D2a Td5 Auto
			
			
		 
	
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