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It gets the high torque load off of the ring and pinion.
Towing is where you really need a numerically higher rear end.
I have a 3.55 and 5 gears. I sometimes with I had another overdrive gear when empty. A lower rear end would only hurt me because I haul a lot of weight.
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1991 F-250:
4.9L, Mazda 5 speed, 4.10 10.25" rear
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