Larry, sounds like your setup is very much similar to mine with the only diff is that I drilled both my airbox and filter and I have the TBS needles. All that I can say is that mine runs very well, I get excellent milage and my plugs look good. Mind you when I do my 20k svc I'm just going to take out the shim cos I have tbs needles but if you do drill then your shim should be right.
You've probably gathered this already cos of Pat's calculator and of course if you don't want to drill then 125's look the go.
I don't know whether you have hesitations towards drilling the airbox and the filter but I haven't had a problem so far and that includes riding for several hours through torrential rain. Anyway that's my limited amount of experience talking so hope it helps
