Cindy ~ I think you are doing the right thing! My husband and I took a tour last fall (NY state), and I needed every bit of my XT cogset in the rear (I had front/back racks and panniers). Depends on the amount of climbing of course (we were in the Finger Lakes and Adirondacks -> LOTS of climbs), but it never hurts to be over-prepared!
Emily
Emily
2011 Jamis Dakar XC "Toto" - Selle Italia Ldy Gel Flow
2007 Trek Pilot 5.0 WSD "Gloria" - Selle Italia Diva Gel Flow
2004 Bike Friday Petite Pocket Crusoe - Selle Italia Diva Gel Flow