I don't like the 3:21 ratio, however I've found to have plenty of power, even towing my light Tritoon (est 5K lbs). I didn't buy new so I found something as close as I could get to what I needed, seeing how I downgraded from a 2019 3500 SRW HO, (What a nice truck) I hadn't really studied the 1500's. I did find that every truck I looked at, did not have the 3:92 option. I'll be driving the 2020 1500 3K + miles, and the 3:21 will payoff for sure on the trip.
I don't understand why owners change so much from stock form, that they run into issues like the OP.