While I realize you're using an exaggerated ratio to make a point, the higher the ratio, the more load on the entire drivetrain ahead of the ring and pinion, so limiting load based on axle ratio has merit.
It has merit, but the drivetrain can handle the additional load without premature wear, particularly with regular maintenance. The ujoints in our trucks and driveshafts are capable of massive loads and higher than typical angles of operation. In other words, there's a pretty big margin of torque handling built in. Most of the drivetrain upgrades done in newer generations of trucks have more to do with adding to the GVWR, than the GCVWR. Granted, as with everything you'll likely increase wear a bit, but in this situation we're talking $25 ujoints. As for the differential, a lower numeric number actually runs cooler. Is this all ideal? No, but with proper maintenance it's not the end of the world.
My frame of reference I'm using for my opinion on torque capability is based on my rock crawling experience. I use all 1-ton gear in my rig. Run 42" tires, with water to the top in the front tires, and have tons of gearing. I can on rare occasion snap chromoly 35-spline axle shafts and even every now and then $300 chromoly u-joints by just crawling obstacles with all the gearing I have mostly before the drivetrain. I'm very well versed in the type of torque 1-ton gear can take without going bang.
