“There's nothing magical about overdrive. It's just another gear ratio.”
Except, fact is that it reduces engine speed which helps compensate for numerically high rear axle - No magic is involved, just engineering and this is why overdrive exist, ‘nowadays’ there’s multiple overdrive ratios…
However, much of this depends on where and if something is being towed - for a flatlander grocery-getter I’d easily go with the 3:42, but this is a slide-in camper forum and some campers (loaded…) are nearing 5k#, and some folks tow in the mountains…When crossing the Sierra’s on hwy 80 (not towing, but 5k Camper), even with a Dsl (800lb torque) I find myself occasionally downshifting from 6th to 5th overdrive - but that’s just me and I feel it’s negligent to make an engine lug…
3 tons