Russ,
I just did the same thing yesterday - wasted the 49T. I like jumps and I think the slip on the spur came mighty tight from the factory. Anyway, I got a 52 tooth spur by accident and had a bugger of a time making it work with the 18 CB - hence my post last night. See the one right next to this one called "18t/52t......"
This is how the ratio works:
Stock setup:
15T CB driving 49T Spur: 49/15=3.26; meaning engine has to turn 3.26 times to every turn of the spur. This is the offroad setup.
18T CB driving 49T Spur: 49/18=2.72; meaning the engine has to turn 2.72 times for every turn of the spur. This is the onroad setup.
Notice that the offroad gear ratio is taller than the onroad gear ratio. This means that the engine turns more often per final drive revolution at the tires than with the onroad setup. Basically, you are multiplying the TORQUE of your engine while sacrificing top end. TORQUE is what gives you out of the hole performance and wheelies - in the electrical word it's known as current (AMPS).
The onroad set up is just the opposite. The engine spins less for every final rev at the tire and now your top end has come up. You do this by sacrificing torque. Through all this, HP remains the same, gearing just allows you to change engine torque delivery - which ultimately affects your top end - there is no free lunch.
HPI warns against using the onroad setup in the dirt because the engine could labor - it would make less torque (as seen after the gearing) and have to work much harder for "breakaway" power.
Anyway, back to the 52T. You can use the same math as above and see that the 52T would yield 52/15=3.46 or 52/18=2.88. The first one, 3.46, would be a very offroad setup as the engine would have to spin 3.46 times to one rev of the spur. The second one, 2.88, would be interesting as it is in between the the on road and offroad setup. The only problem is, as I found last night, the 52/18 doesn't fit right. So I'm gonna experiment with the 52/15 for a while - Super offroad.
I hope this helps.