If I'm just drivin' around town normally, I shift from 4th to 5th anywhere from 35 to 40 mph - and it's only revving around 1200-1400 rpm in 5th. I built my set up for gobs of lowend and midrange torque - so it doesn't lug down there in 5th. In fact, you can take a pretty steep hill in mine in 5th at that low rpm. I'm rather proud of that. Lugging is a function of how much torque the motor's producing at that rpm vs. what you're asking the car to do. It doesn't occur at the same rpm under the same conditions in all cases. Also, with different tire diameters (which affect the overall final drive ratio) and the fact that T-5's came with several different 5th gear ratios, the lugging point simply isn't the same in every car.
If you want to know what top speed is in your car in 4th, there are websites out there to help you calculate it. If you're basing all this on stock speedometers and tachometers, they're rarely perfectly accurate - so take it all with a grain of salt.