If you're going to tow something like that in moderate use, I would always go with the 3.73 or higher, especially when pulling up hills. But I have a 4.10 ratio in my 3500 Silverado Dually & I just hate it. I really don't pull that much very often, city driving is really bad on the gas mileage, at 35-40 MPH, the truck transmission stays in a lower gear, the RPM runs at 2000, same as if I was on a highway at 60MPH, & I'm basically on level ground. The overdrive does help some on the highway mileage, but I wish the 3.73 was an option for the truck when I bought it. Ford offered this ratio for theirs, but not GM. (Truck is a 4X4, would hate to change out ring & pinions, 2001 model) There are a few aftermarket companies that sells an 'overdrive' attachment that goes on the back of an automatic transmission (not the OEM overdrive), but last pricing I saw on this thing was at $2500! I'm too land-poor for that kind of gizmo.
J.W.