You are in the position to test what you need. Continue with your conversion, install the ZF and drive with your load. I think you will like the 4:10s loaded with the small engine. I have 4:56 gears in my NA Diesel pickup with a 30% od and it is fine on the highway towing. I have driven this same engine/trans with 3:73 towing and it was in direct all the time. So no fuel saving loaded.
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02 Saturn L200 5 speed- 265k miles
84 Gmc 6.5 na diesel K30 4x4, TMU
2006 Lincoln Navigator, 215k miles
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