I notice in my civic that it goes into overdrive at low speeds. It even tells you in the manual you can shift into D3 so it won!t cycle through at lower speeds. When keeping steady speeds at low speeds when it is in overdrive I am not sure if you would call it lugging or not. If you step on the gas a little for a small increase before the point where it will downshift it feels like it could be lugging but I am not sure.