Once again the only difference between 3.21 and 3.92 is GCWR. 13900 and 17000.
If you want gas mileage get the HFE...pretty much useless for anything else. Otherwise, get the truck you want and enjoy having a 1500. I can not justify a 1500 so I have a 2500, and I got 3.73 gears
If you tow over 5000 lbs think about 3.92. If you live in hilly terrain think about 3.92. If you want a better seat of the pantsrockete ship think about the 3.92.
If you just like the size and comfort of a truck think about the 3.21. If you plan to maximize MPG with your driving habits think about the 3.21.
I will be getting 4.10 on my next truck. Probably go 3500 if I buy new...unless I decide to purchase a Powerwagon