I find it interesting that people load up on tons of racks of $5 chips (for BB stakes $1 or below) and yet complain that they never get the $20/25 or $100 into play, even with full ring. Maybe pare back on them or only play with half your stash?
I have found that Indiana has long history of poker, and most of those games have always been limit, up until around 2004 (for obvious reasons) when you started seeing some NLH, limit stuck around until 2008-2010, now you just can't find a limit game, not even at the Casinos. Most of the people that run games still have this old school mentality that you have to have a crap load of 5s, so thats what you see at the table, and its a hold over from a past era.
I play in a game where they give out 20 bucks in quarters, its a nightmare imo; If people want to bet 100 bucks, and only have quarters, they still bet it, you're not going to discourage large bets by having more smaller denoms on the table. I hate trying to count someone's stacks when they have 35 USD in .25 denoms.
it seems as though once the bet is beyond 33% (of a given stack), its not as likely that someone will call as much as push or muck. Depending on the time in the game the workhorse chip shifts; At the start of the game (.25/.50) you want few 5s, but as time goes on you don't want to add more 1s, its like you're adding kindling to a roaring fire, you want to add more 5s to split the work load, you can always make change.
I start the game with 2-3 USD of fracs, and go heavy on the 1s up to about 20-30 USD depending on buy in (20 - 60 USD) I would hand out up to 20 USD in 5s for the max buy ins, any rebuys don't get fracs or 1s, just 5s and 20s.
The funny thing is, I have oversized 20s, but if I was to get through the 1200 (60 chips) I don't have any oversized hundos so it'd be odd, but soon I'll have plaques!