I use mode 0, but as a SPI master so the actual rate simply does not matter.

I do use the UART with standard baudrates; even in the application where I used UART in mode 0 I used a bitbanged UART at 9600 (the requirement was the lowest cost, so used the standard 12clocker). The only time I used less than 9600 Baud was the first time with '51 with 12MHz - and that was not my design anyway.

As I said, my favorite crystal is 22.1184MHz, which is easy to buy, enabling 115200Bauds.

Jan Waclawek