You have to think about gearing this way.
When you gear something down (12t pinion and 97 tooth spur for exanple) the mechanical advantage of the gearing multiplies the torque and allows you to put more to the tires.
Increasing the gearing, or gearing up (18t pinion and 87 tooth spur for example) reduces the mechanical advantage and makes the motor work harder (A.K.A. draws more power from the batteries).
Any time you make the motor impart more work, it pulls more power in the form of amps and makes heat. Heat makes resistance which draws more power, which makes more heat, which draws more power, and so on...
Having a motor at 100% throttle isn't necessarily a bad thing, as long as it is geared properly.
First things first, pick a combination and stick with it. With two motors and three different battery packs, you can't possibly gear the car for all those combinations.
Those motors are going to be very different and you're only going to smoke one of them if you constantly change batteries and motors.
So pick a combination and stick with it. My suggestions would be the 27t and 3s. Just my $.02 worth though. I like to crawl, sounds like you are in for high speed...
Here is my suggestion on how to tune the gearing on a motor. I learned by burning up a couple brushed and brushless motors.
Start LOW. 12-93 to 15-93. Do a typical run. While running the vehicle, use an IR Temperature gun. Something like this.
CE Compass Temperature Gun Infrared Thermometer W/Laser Sight - Tools - Electricians Tools - Multi-Meters & Meters
Through the run check the temperature. When it gets up to about 130-140 it means you are getting close to the limit of your gearing.
You can also use the finger touch method, if you can touch the motor with your finger and count to 5, slowly, you're good on temp..
I'm an engineer, I like the temp gun.. SO, If you only get to 90 degrees through the entire run, gear up a little more. Move from 14-93 to 14-87 and do the same thing.
Gears are cheap. Pick up a few and try some combinations. Let it completley cool down between runs and run it under the same conditions each time.
Remember, if you gear it for running at high speeds on cement, and then use the same gearing to go rock crawling or hill climbing, you're going to be risking a smoked motor.
Hope this helps. Good luck. And don't be afraid to spend some time and read. See what others are doing and if they smoked a motor, you know what not to do..