Thanks!  That's true, people seek evidences that support their own beliefs.  For 3.92 lovers here, I list the exact reason why 3.92 is better for towing, and for 3.21 lovers, I list exact reason why 3.21 is better for fuel economy.  There's something for everyone.   Personally, I am leaning 3.21 because I don't plan on owning a boat over 5000lbs, and all the 8000lb and above travel trailers require a 5th wheel found in HD trucks.  To be honest, I would most likely be hauling air 99% of the time.  If I ever own a boat over 10000lbs, I would probably have enough money laying around for a F350 Tremor.  I'm sure many of you with horses or heavy construction equipment would benefit greatly from 3.92.  I'm just an engineer chained to a desk.