Stock gearing is good if you want that "power" feeling but your not going to have much top speed.
I would say that 14 40 is a pretty good gearing for recreational riding with modified blasters. My dad's is 14 40 and he's got all done but porting on his and I can still pull great on a 2nd gear takeoff. You just gotta have the clutching mastered to keep the revs right.