This is exactly my argument for the 3.92 gears. Running larger tires and towing at the upper limit warrants the 3.92’s. Everybody else can get by with out them. Heat? Nah revving a smaller cog that will be turning faster and thrash Your bearings by generating too much heat? Don’t tell these boys that they wouldn’t understand that unless it was in an online engineering Forum
The reason my hemi went from 3.55-4.10’s at 100k miles. My 3.55’s bearings were umm toast! 3.55’s hated the mountains with a passion. 4.10’s said what mountains? My dads 06 Cummins with 4.10’s? I could tow 10k with that and it Wouldn‘t down shift to gain speed up grades. Turbo went woot woot and away it went. Guys with the 3.73 gears got the down shift. There’s probably no advantages to numerically higher gear ratios though.
I totally agree with you about the 3.92 rear axle ratio having the advantage for towing, its the same transmission with either rear axle ratio.
You are correct by saying the bearings would heat up in the rear end, but most of the heat is generated by the crown and pinion friction.
Axles with higher ratios require less effort to turn the pinion drive gear, but requires more revolutions.
The transmission requires less effort in this application but the engine will be at a higher rpm, so it is a win win situation for towing frequently, less effort for the transmission and less effort for the rear axles, both will run cooler and will outlast the harder working systems.
Someone had commented earlier about racing going up a hill while towing, it doesn’t really matter how fast you make it up the hill, the hill is the same with either axle ratios, the advantage is with the 3.92 rear because the transmission will shift all the way up to the 8th gear with less effort and will get to the 8th gear sooner than with the 3.21.
So if you race or if you take it easy going up the same hill it will require less effort, create less heat and use less gas/fuel with the 3.92.
The 3.92 has the advantage for city driving, less effort to get the truck moving at every stop or red light, the only advantage for the 3.21 is for highway driving while not towing and not having bigger wheels.
I have been driving trucks and towing for 4 decades, the transmissions have come a long way, my first was a 5 speed manual. I really like my Rebel with the small displacement diesel, most of my driving does not require towing and my loaded trailers are less than the max towing capacity. It’s hard to believe that my truck gets to 4th gear by the time it reaches the end of my driveway