I use Linux for all development work and?a USB-2-TTL serial converter for serial I/O. I tested with with CH340 to see how much baud-rate error would be tolerated at 57.6Kb and found up to +7% error was still functional but +10% was no-joy. I also found that
anything more than -2% was no-joy.
I use PICOCOM for terminal emulation, which allows one to use ANY baud rate you tell it, so if you are using a 2 MHz oscillator, simply tell PICOCOM your ACTUAL baud rate is 62.5Kb (or whatever) and it'll work. Not sure about WINDOWS terminal emulators. Try
it and see.?