This thread has given me a headache :W
Seriously though, it has been good food for thought. All I really need to know is that the engineers that design these trucks say that if you opt for the lower gear ratio, your tow rating goes up. Not just for that reason, but I'm convinced the gearing gives more capability across all gears. Yes I can just run in 5th gear when cruising down a stretch of level highway and be close to the same, but what about all the other situations? Acceleration, and hill climbing/descending come to mind. If a person has the expendable income, I think it's worth it. If money's an issue, it should work fine as is for 2-3 tows a year.
