130 kpm = 80.77825 mph
I weigh 220 lbs and carry about 50 pounds of gear/fiberglass saddlebags and Rifle Superbike Fairing. I'm currently running 18-34 gearing and comfortably cruise at 60-70 mph (96.56-112.65 Kph) with stock 5th gear. I usually stay in the saddle about 2 hours before taking 5 to stretch my legs, drink a drink and pee out the last drink.
Going to 18-33 or 17-32 final gearing plus the 15% overdrive from Mikes would get you close to your goal of 130 kpm comfort.
The advantage of the 15% overdrive is that it allows you to keep your secondary gearing closer to stock for hauling loads, taking off and pulling off of corners. I have a 5th gear overdrive but don't plan to install it until the dead of winter.
I've no idea how your XS is equipped but here's some other things that will help:
Barsnake
http://barsnake.com/ (Amazing difference)
Quiet pipes with crossovers. Crossovers can be hard to get/make but quiet pipes are easy. I'm running Taper Tip Muffler with brass wool stuffed inside
Fairing or windshield I rode for 30 years without a fairing but won't ride across the street without a fairing now.
Gelpad
https://www.sonnyproductionsmerchandise.com/index.php?_a=viewCat&catId=11
Balance carbs
Dual Color Fin Grip Set: Part #02-2488
http://www.mikesxs.net/products-59.html#products (They're cheap, will only last about a year, ugly and comfortable as all get out.
Tires designed for touring
High speed tire balancing if you can find a shop that can do it.
Half shell helmet with zip out ear covers but keep the covers on year 'round.
Bar end weights if the Barsnake isn't enough.
set your shocks to a softer setting. Mine are set as low as they will go.
