I found a local place that sells jets for $2.50 and no tax - pretty nice so I grabbed $15 worth to play with.
When I thought my bike was correct, I wasn't getting any deposits on the plug. For kicks I upped the jetting, and got way more seat of the pants power and less struggling on hills (not to mention less popping on decel with a bigger pilot), and the plug turned a nice "mocha." Think the color of McDonalds iced cafes and you'd be just about spot on.
End jetting was 122.5 main and 17.5 pilot for me, but that's with a free flowing air filter and the stock sausage with the hot tube dremeled out of it.