Igofar,
The SERT manual actually gives some guidance on what the AFR should be for a few different conditions. On page 92 of my manual it recommends:
12.8 : 1 Peak power AFR
11.0 : 1 Severe loads AFR
14.0 : 1 Cruising under light load
Your guess of 13.8 wouldn't be bad for some conditions, but not for heavy loads or peak power.
Once you know the AFR you want, the hard part of tuning is getting the VE tables set correctly for your bike. If your bike "fits" one of the canned maps then you can start with one of those and tweak the AFR tables to suit. The SERT Manual also gives some advice for determining whether your bike is running rich or lean.
I bought a digital AFR meter, Wide Band Oxygen sensor, and Aux box from Innovate Motorsports to measure the actual AFR and determine correct VE values. It takes a lot of work to map everything correctly though. And the instrumentation costs as much or more than a good dyno tune. But it does give you the ability to find out what you have for AFR and tweak things on your own. After a few "bad" dyno tunes I finally gave up and started doing it myself.
