The same argument can be used for Hemi vs. V6, if you didn't need the power why didn't you buy the V6. I bought the biggest engine and the lowest gears(3.92), because thats what I like. At no point during the buying process did I think about gas mileage. To each their own, I guess. I just don't understand how you have more options, its pretty plain to me: 3.21 you get a little better mileage on the highway, less towing/performance grunt in any selected gear, 3.92 little less gas mileage on the highway, more towing/performance grunt in any selected gear. You talk about gearing down to match the 3.92, eventually you run out of gears.
The difference between the hemi and v6 is pretty large; approx 100 hp, and what, 130? 140? lb/feet of torque? It's noticable at every speed, in every gear, and limits your towing. The difference between the 3.21 and 3.92 is quite small, and only occurs in first + second + eight, and only while under hard acceleration scenarios (towing). So you're right that the question is very similar, the difference is in how close the 3.21 vs the 3.92 is, versus the v6 and hemi in general which is more significant.
I'm not saying the 3.21 gives you more options, just that you have the option of using gear limiting in case the occasional extra downshift bothers you.
But you still don't understand the towing issue; because you don't get more grunt with 3.92
in every gear. That's literally the whole point. You get more grunt in first, until it upshifts to second; because the 3.92 has to upshift first (before the 3.21), that means that right at that point, the 3.21 is still in first, quite close to peak hp/torque, and 3.21 in first puts out more power than 3.92 in second. So at that point the 3.21 is making more grunt, until it as well has to upshift a few seconds later.
You're still thinking that both trucks will be in the same numerical gear for the same speed. But they won't be. The 3.92 will be in 7th doing 1300 RPM's, and at the exact same speed, the 3.21 will be in 6th, not 7th. We know that because if you do the math, the gear ratio of 3.92 in 7th is identical to the gear ratio of 3.21 in 6th. So since those gear ratios are identical, and the trucks are going the same speed, then the RPM's MUST be indentical (that's how gears work). If RPM's are equal, and they're going the same speed, then they're putting down the same power at that speed.
The 3.92 makes more power in 7th, then the 3.21 does in 7th; but they won't be in 7th together at the same time/speed. When the 3.92 is in 7, the 3.21 is in 6, using an identical gear ratio.
So; only in first and second does the 3.92 make more grunt. After that, they're pretty much equal, just separated by 1 numerical gear. On the highway, the 3.21 will pull just as strongly as the 3.92, it will just use lower gears to do it. If the 3.92 can pull the load in 7th, the 3.21 will do it in 6th putting down the same RPMs and power. If the 3.92 needs to use 4th to go up a steep hill, the 3.21 will use 3rd instead, and since those gear ratios are approximately equal between the trucks, they will both be putting down the same power at that speed.