Usually in my 42x14 or 42x15, or thereabouts on my middle ring triple. Sometimes I'll go into my big ring @ 52x19 or 52x21.
You know, I'm getting a new bike this week, and it's a double. The funny thing is is that I don't think there's a sweet spot for cruising at my favorite speed without having some chain flex. I don't know if that's a good or a bad thing, either. Chain flex would mean that there is a significant angle created by the chain between the chainring and cassette. I might post this question over in the equipment section, too.
PS- I wouldn't worry o much about your low speed right now. I remember when I first started and cruised in your mph range, too. I remember shooting to hold onto an average of 20 mph... and then 21... and then not worrying about it anymore when it got over 21 just out of habit and stayed there. Also, as a beginner (I'm assuming you are a beginner) you'll probably not notice the wind as much. As you get more experienced you'll be able to really dile into crosswinds and all the rest and accurately predict your true speed given power output. So all things considered, there's an error factor to figure in, too.