Cruising at 1300rpm through town is safe for the engine, and also better for fuel economy and environment. If I have to accelerate hard for whatever reason, you have to change down anyway, not floor it in 5th
Cruising on light load at 30-35mph in 5th gear doesn't require masses of HP so surely, if the engine was struggling to pull at this speed, it would be using
more fuel to compensate and labouring? But it's not.
It's extremely hard to feel when a modern fuel-injected engine is on the verge of labouring. I'm not going to chide you for wanting to save the environment, but you have to look at saving the car as well
Obviously, you don't need much power to cruise at town speeds, but when the revs are that low, you're pulling on every single ounce of torque your car has at those revs, which isn't much. Therefore, your engine is working right at the limit of what it can produce, you're running the engine at maybe 8 or 9/10ths of what it can produce. It may not make a whole lot of noise, but it's working very hard to produce enough HP to keep you moving. Whereas the engine has a much easier job pulling you along in 4th gear at maybe 1800-2000rpm at those speeds.
Obviously, the slower the engine is turning, the less fuel you use, but every engine has an optimal rev range that you need to stay in. Which is why you change gear at 2000rpm in diesels, but at 2500rpm in petrol cars when you're trying to save fuel.
But I know I wouldn't want to drive around below 2000rpm every day in my diesel. I did it one time for a full tank to test the mileage I could get in ordinary driving (69mpg, mostly towns and motorways), but you should have seen the cloud of soot I produced the next time I pulled onto the motorway at full throttle. Engines need to rev to live, otherwise they get blocked up, bog down and need more frequent service.
If you don't give your car a good blast on the motorways once in a while, I'd recommend the "Italian Tuneup". Warm it up, get on the motorway and run it right at peak power (5500rpm for the 1.2 and 4000rpm for diesels) for 10-15 minutes. That'll clear out any crud and the engine will feel so much better afterwards.