From my own experience, I have a stock '98 200 and my brother has a stock '98 220...I am running a 48 tooth on the rear and his has stock gearing. In a drag race, we were neck and neck the ENTIRE way. I'm not saying this will happen all the time or for every bike, but that's the way it is with us. Unless you plan on sending it to Gorr for port and bore, I'd go 220. The difference in low end is more than the reviews lead you to believe and you don't lose top end. His bike will climb hills in 2nd gear that I have to "panic" downshift on and burn a little clutch. But I really like my bike and plan to Gorr it this winter. Just my 2 cents.