what's the best gear ratio for riding in the city? preferably manhattan?
i ordered the 'windsor hour' off bikesdirect and it should come tomorrow
but the only issue is that the cog is 16t and i've read that riding 48x16 could be hard
gear ratio is highly subjective, but i'd suggest ~75 gear inches for a beginner. it really depends on personal preference, strength, and riding style, i.e. whether you like to 'spin' at a high cadence or 'mash' a large gear.
here's a chart for reference. 81 GI isn't terribly difficult but it wouldn't be my first choice.
cogs are relatively cheap and easily replaceable. just buy an EAI cog to attain the ratio you want.