Actually I don't consider that low enough for loaded touring if real hills or mountains are part of the route.
Neither do I but Jeffrykellog's posting said he did and was content with a 34x34 (27 gear-inch) low gear. My point is that a triple is a better way to get that gear without leaving huge gaps in the middle gears.
As to the 46x11 or 48x11, sure, have it if you like. However, it is an infrequently needed gear and, again, you give up some more useful ratios to get it. A 48x12 is still a pretty tall high gear and is the same ratio as a 52x13.