I hear you guys and I don't totally disagree. One shouldn't lug their engine but IMO riding at 36 mph in 4th gear seems to be very reasonable to me.
More than a few times, I've ridden at 40 mph in 5th gear on my 2011 G5 without harm.
I will say that while doing this, I am not trying to accelerate rapidly.
Just a gradual acceleration or deceleration and the engine is quite happy just putting along enjoying the process.
Remember, these long stroke old British style motorcycles were commonly ridden this way and adding fuel injection hasn't changed them.
The only real difference is we don't have the ignition advance/retard control on our modern motorcycles.
Along that line of thinking, back in the day, "The Motor Cycle" was a British magazine which was greatly looked up to to report the latest in the industry.
The current book "GREAT BRITISH MOTORCYCLES of the 1950s & 1960s" by Bob Currie has reprinted many of the motorcycle tests as they were reported in The Motor Cycle.
In every motorcycle review the important data for the tested motorcycle is included.
Among the things listed for each test is the "MINIMUM NON-SNATCH SPEED", this being the minimum speed the motorcycle could be ridden at without the engine balking and stumbling.
This didn't represent the minimum speed they recommended riding at but it appearently was intended to show just how slowly one could ride without getting into real trouble.
Anyway, I thought you folks would like to know what some of these MINIMUM NON-SNATCH SPEEDS were.
348cc BSA B31 = "14 mph in top gear with ignition fully retarded"
346cc Royal Enfield Bullet = "15-16 mph in top gear with ignition fully retarded"
497cc ARIEL RED HUNTER = "16 mph in top gear with ignition fully retarded"
499cc Velocette MSS = "16 mph in top gear"
692cc Royal Enfield Constellation = "20 mph in top gear on full retard"
998cc Vincent-HRD Black Shadow = "21 mph in top gear"
441cc BSA B44 = "18 mph in top gear"
649cc Triumph Bonneville = "18 mph in top gear"
IMO, riding at slow speeds in top gear will not cause damage unless the rider tryies to accelerate in that gear. By dropping a gear or two down to prevent lugging under load and then shifting back towards top gear won't hurt a thing.
In fact, I am sure it is better for the engine than reving it to the limit in every gear.
By the way, you will notice I included the Vincent HRD Black Shadow.
This is just a bit of what "The Motor Cycle" had to say about that motorcycle:
"The machine has all the performance at the top end of the scale of a Senior T.T. mount. At the opposite end of the range, notwithstanding the combination of a 3.5 to 1 gear ratio, 7.3 to 1 compression ratio and pool quality fuel, it will "chuff" happily in top at 29-30 mph. Indeed, in top gear without fuss, and with the throttle turned the merest fracton off its closed stop, it will surmount average gradients at 30 mph."
This machine could cruise at 100 mph and hit 125 mph without a problem.