Mine came with an 18. I changed it to a 16 so it is possible. Would upgrading the motor be more affordable ? A sprocket change costs compared to an engine upgrade is comparing apples and oranges IMHO. Will you be able to fully utilize the lower gearing without engine mods ?
Sounds like a fun dilemma to have. SYC gives solid advice. Note: This is where the madness begins and as far as I am aware of there is no cure...