Unless you have a very nice drill press or even a mill, I would avoid using Carbide. It is very hard and cuts the gear legs very well, but it is also brittle.
If you bend a carbide drill even a little, or if it gets caught on the bottom of the hole when breaking through, it will break. If you think the hole is hard to drill, it is MUCH worse when there is pieces of broken carbide in there!!
You should use a Cobalt drill. MSC has them at reasonable prices. I usually drill the hole either 1/64 or 1/32 under size and then ream to size with a cobalt reamer also.
Always use cutting fluid and don't spin the drill too fast. Most holes can be made quite nicely at 300- 500 RPM.