I have to voice my dissatisfaction for changing gearing.
Just got back from a 400ish mile round trip on the FZ with stock gearing. If you are planning on doing any highway on the FZ, don't change the gearing. The increased wear on the bike, vibrations, and poor poor fuel mileage aren't worth the low end grunt IMO.
I only had a +4 on the back too, that was it.
Doing a standard (-1,+2) puts the ratio at 3.20
Going only +4 in the back like I did puts it at 3.13
I can't imagine how uncomfortable and hard on the bike a standard gearing change is, +4 was plenty for me. The Speedohealer I had on with the gearing change will affect the results negatively on the +4 somewhat. But as it stands from what I saw:
80MPH on +4 is going to run you about 8,000 RPM
80MPH on stock is about 6,800 RPM
This is a huge difference on fuel mileage, vibrations, loudness (if you have an aftermarket exhaust), and overall sanity. I was getting 40 mpg or below with the +4, now I am getting solid 45+. Incredible difference
What's also frustrating is the sprocketcenter superlite/EK 520 setup I paid close to $200 for is already curling the teeth on the front sprocket over after only 10,000 miles. UGH
That's just my experience. The more I tinker with the bike, the more I realize that stock is usually best on most components, and that Yamaha knows what the hell they're doing.