hi Violet, sorry to hear about your recent diagnosis. I am a little insulin resistant, and even thought I don't know you (nor am I a doctor) your ratio and basal insulin doesn't sound all that high to me.
Coffee increases resistance, cortisol (something your body makes a lot of in the morning) increases resistance, body fat increases resistance, so will a sedentary lifestyle, and many other things like steroids, stress, estrogen... etc.
my niece weighs 110-120 lbs and very active and atheletic, and takes almost twice the amount of insulin I do, and I am 165 lbs, and reasonably fit. There's a great book called think like a pancreas that I urge you to take a look at if you are interested. Anyway your first job is to work on glucose control and I hope you are doing okay with that.
oh to answer your question re: carbs - mine are: 7 until after lunch then 8