Understood that Fords 10 speed is different. I had the 6 speed F150 and the 3.55 was a good choice with the little 2.7 ecoboost. Some of their trims don't even offer the 2.7 or the 3.55 axle.
We are in the minority (probably) of grocery-getter truck users. It's what she wanted (DIL bought one too) so that's the gearing we looked for (3.21) as the 3.92 would have been a waste.
I would agree that those consistently pulling heavy should use a 250/2500 but many won't. They want their creature comforts and ride quality that the 150/1500's have more of. Maybe
Ford's new 7.3 gas will change some of the diesel crowd's minds, it would be closer to us having a 6.4 available in a 1500 for RAM (but there isn't).
I'm glad to hear that your 3.21 tows well and gets 10. That's a great indication that the gearing and available tq works well with the ZF 8 speed. Don't get me wrong, our 3.21 will do it, just likely locked out of 8th, which is really 7th in a 3.92.
I will stay out of the 3.92 vs 3.21 wars on the forum, my only real "beef" is that we should have had a choice of the 3.55. I'd have taken that with the hemi as a good compromise.
Choice is good, and ultimately you will make do with the truck you have.
Compared to my 77 GMC 1 ton with 210 hp small block 400, 3 speed auto and 4.10 gears, this is 10x the truck in all areas except payload.