I am running 12/52 with no problems. I can still do 90+MPH (indicated) on the pavement (on 8PSI knobbies!), so you still have plenty of top end unless you are racing in the desert or something like that.
No problems with anything rubbing anything. I thought about a 54 or even 56 on the rear, but they are not easy to find and I don't think they will fit with the stock chain guide (and so I have been told too).
I am happy with that gearing. For the same RPM (by feel - no tach), it seems I lost about 10MPH on pavement, but it is nice in tight technical single track for my style of riding (very slow). With the Rekluse I didn't really have problems with the 13, except that I was idling along faster than I sometimes wanted to. I wanted the option of going as slow as I could, and now I am not fighting the bike so much. I suck at off-road riding, but this makes it easier for me.
Three other people have ridden the bike, and all called it a "Tractor" and none complained about the gearing being too low.
YMMV - literally.