DaveFXst,
I recently had my bike dyno tuned at an H-D dealer. The bike is an '03 heritage FLSTCI with stock engine, V&H pipes, high flow a/c and power commander (all purchased from Direct Parts, Inc. of course!

) The tech let me watch and ask questions while he was doing the dyno, and he was very knowledgeable and helpful in helping me better understand the RPM MPH relation. I have the speedo / tach combo gauge on my bike, so I can see my RPM, but even so, I was not using the bike to it's potential.
The tech told me that the "sweet spot" for the 88TCB engine is in the 3200 to 4200 range. After modifying my driving / shifting to take advantage of that RPM range, I've noticed much more available power.
65 MPH in 5th gear is only going to be turning your engine about 2800 RPMs.
I've got my dyno print out for 4th gear which is as follows: 45MPH = 2400 rpm, 55MPH = 3000RPM, 65M = 35R, 75M = 40, 85M = 45R, 95MPH = 5.0RPM. The rev limiter kicks in at about 5800 RPM.
I don't have the print out for the other gears, but as you can see, the engine can easily does 75 MPH in 4th gear at only 4000 RPM, and I'm generating 80 ft. lbs of torque at that speed, so I can easily roll on it and get around the car in front of me.
Now I rarely get into 5th gear unless I'm cruising at 70 or faster (only if the posted speed limit permits of course

).
If you're interested, let me know, and I'll watch my tach make some notes of the corresponding MPH next time I'm out riding.
SISK