Carefull, Ibseen... You let out too much information about our beloved 650s and people will start to get jealous!!

Dan, when I wrote my reply about the gearing it was based on the info you gave; "I've got a larger-than-stock (+1 tooth) front sprocket and a smaller-than-stock (-3 teeth) rear sprocket."
If the correct change for the rear sprocket are 1t down from stock, the difference won't be so dramatic, although it will be noticeable.
With stock gearing on the Z models you will hit the red line, 9500rpm, at 121.2 mph in 5th gear. (As far as I remember,124 mph was the best result achieved in a road test.)
And as written in a road test back in 1979:
""Although the CB650 pulls well from 6000 rpm on, the definite power band lies between 7500 rpm and red line at 9500."
Btw, if your engine have the detuned (50hp) camshaft it would make sense that your top speed wont go above 100mph. But I don't remember if that camshaft was an option on the US models.