Sprocket choices depend on how much fabrication skill you have, and what soer of equipment you have to use.
You should do most of your reduction i the first stage. You are planning on using the bottom bracket bearings for a jackshaft, and they are not high speed items. I would really recommend replacing them with sealed ball bearings.
The 28T final sprocket limits you to a few choices, none of them easy bolt up stuff.
12/65 > 10/28 just makes it. A 65T #35 chain sprocket would have to be fitted to the jackshaft input, and a 10T sprocket on the output.
12/72 > 12/28 works too, but the 72T #35 sprocket is over 9" OD with a chain wrapped around it.
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FFV8 -- thank you!! Do you think I'll be all right if I have 11/60 > 10/28 ?? Thank you again for all your help

EDIT: the pedal cranks on the bike I'm using are sealed bearings
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