Sounds like your gearing is too tall for the configuration you’re using which will take much of the pleasure out of riding always having to drop to 3rd to build revs.
I’m using an RT195, BGM and 25 PHBL and it’s great running final drive ratio (FDR) of 4.8
Personally I’d sort the gearing for your engine configuration.
Once that’s right take it from there.
You’ll have to take your gearbox out and count the teeth to determine what gearbox you have (if not already known)
Then with the sprocket sizes you’ve listed use a gearing calculator to work out your FDR
https://www.afrayspeed.co.uk/media/other/50188402/45-tooth-gear-chart1..pdfOnce you know that update this thread. However aim for between an FDR between 4.8 to 5 for your configuration is my suggestion which may mean changing sprocket sizes.