I also have a 06 ultra with 95" upgrade I went with Andrews 37 gear drive cams. I can't tell I lost any low end torque. The cams seem to really start pulling at 3500 rpm's. You can roll on the throttle and pass from 3000 and up. If your crankshaft is strait (should be check before you buy cams) the gear drives don't make much noise at all.
Mike
Mike