The easiest way to figure our your gearing is to make an assumption of top speed based on power. The zongshen 2v 190 that you have there makes a real 18 HP from the dyno's I've seen. So that said, it's safe to assume that your top speed should be about 80-85mph when optimally geared. I've had a lot of conversations with RacerX over the years about gearing, and while he and I do have a slightly different opinion, we always agreed to the method.
So what I would recommend is for you to get the gear ratios for this motor, including the primary ratio. Then, using that, and your tire circumference, calculate what gearing you need to have to make the engine pull 80mph at 9500 rpm in 5th gear. Then everything else will fall into place. You can also calculate it from the high side...maybe 85mph at 9500 rpm. Then this gives your base. Tweaking from here is simple..swap a front sprocket one way or the other.
I have my Nice 176cc engine setup this way. I run it 19/29 tooth and when I know I'm going to be doing nothing but mountain passes for one of my rides, I swap in the 18t front.