You won't get ditch climbing torque AND 40mph with a centrifugal clutch, regardless of your gear ratio. A torque converter would really be the right option for you IMO. And you can get a clone 40 series for not much more than a 1" cent clutch that will handle 13 hp. A 6:1 ratio with a 40 series would definitely climb ditches, and get you to about 33mph, plus some engine mods, would put you right in your desired speed range
Though if you want to use a centrifugal clutch, you are correct, you'll want to be in around the 7:1 range with 18" tires. That would put you at 27mph, then you could mod the engine for the speed.
You will still be disappointed with the torque though. Centrifugal clutches kind of force you to pick one or the other, and they do not perform well under the partial throttle conditions of off roading.