My believe is turbo setups from the major suppliers are fairly conservative in performance gain as they don't want problems with the customers. Yes they improve performance some.
Definitely need an intercooler, I can't see where they can say an intercooler doesn't help performance (cooler air). 3" exhaust helps the turbo spool better and also gets the exhaust away and the turbo will probably spool higher. Egt very important to know whether you can feed more fuel in or not.
Yes major torque is around 2000 to 2750 Rpm and above that it needs to wind out (usually not real usable unless getting some speed up on the flats). Below 2000 it should accelerate fairly well unless it's under a lot of load.
Because you are sitting on 3000 odd Rpm at 100K's you have no torque left in the engine to keep it there so it slows down on even the smallest hills. Mine is running at around 2500 Rpm's at 100K's right in the torque band so it tends to hold it there better.
My idea :- Intercooler, Egt, 3" exhaust from the back of the Turbo, Feed in more fuel, Then Regear to get even better performance.
Dan.