It sounds like you should start shopping jobs at tractor manufacturers, in their Rolling Gear department.
IOW, 99.99% of situations will be fine with factory supplied ratios.
If you want to start challenging the Big Boys and their lawyers, go ahead. I once observed that a local mechanic changed the tire pressure in my (current price) $100k Mercedes by more than 25% from mfr recommendation. I said - Do you want to take liability for an accident that could cost $1MM? He just said "I have years of experience, and those tire are not wearing right". I know, mfrs don't always get it right, but to unilaterally make a huge change without consulting the owner seemed very foolish to me. If you follow mfr recommendations and there's a problem you have something to fall on. They may not back it up, but really - they have millions (billions/trillions) invested, and you think you're smarter than them? You may well be, but I will take the mfr recommendation over Billy Bob 999,999 times out of 1,000,000.