Ya, I know about that HP and gas mileage relationship. An unmanaged right wrist on my Tuono nets me 26 mpg, more or less. If I'm not driving "sporty" (ahem) then its around 30 mpg.
You're probably doing the right thing by staying at 95 H-D. If the mods get too extreme you eventually escape the envelope of the original engine design and the bad mechanical stuff starts happening. Unless you plan to race it of course, and then you already know what you're getting into <img src="/ubbthreads/images/graemlins/smile.gif" alt="" />