e.g.,
It depends on how often you tow;/haul those big loads. I have 3.55's and it is great if I have no load on. 18mpg. and I can drive all day at 75, no sweat. With the Lance Lite on (2700 lbs. loaded), I get get 14-15 mpg. 63 mph feels good. That plus pulling my jeep on trailer, I get 12-14 mpg, and I drive slower than my 6th gear likes to run. With that GCVW of 16,000 lbs. I would be very happy to have 4.10's. If you keep your speed down, 4.10's are fine. 58 mph with a full load. If you must drive fast or have a heavy stupid pedal foot, opt for the 3.45's
The other part of the equasion is what size tires are you going to wind up with? If you EVER are going to use taller tires, opt for the 4.10's.
Generally, the most fuel efficient ratio is the lower numerical ratio: 3.45.
3.73 has been a great in-be-tween ratio that works with a load or no.
Are those the ONLY choices you have?
You thought it would be an easy choice, did you?
You will get a divergent set of opinions on this.
regards, as always jefe