So, how many gear teeth/minute go through the hypoid gear oil? Wheel speed is the same for both @ 60 MPH (let's assume) since tire revolutions per mile (or per minute @ 60 MPH) equals, let's say, 640.
For the 4. 10:
640 RPM x 41 ring gear teeth = 26,240 ring gear teeth/minute
640 RPM x 4. 10 pinion gear revolutions/ring gear revolution x 10 pinion gear teeth = 26,240 pinion gear teeth/minute (surprise - since the teeth mesh, it must be a 1:1 ratio)
26,240 + 26,240 = 52,480 teeth/minute
For the 3. 54 (3. 5385:1 actual)
640 RPM x 46 ring gear teeth = 29,440 ring gear teeth/minute
640 RPM x 3. 5385 pinion gear revolutions/ring gear revolution x 13 pinion gear teeth = 29,440 pinion gear teeth/minute
29,440 + 29,440 = 58,880 teeth/minute
AND the pinion gear teeth on the 3. 54s are generating more heat per tooth engagement since they're more heavily torque loaded.
More teeth/minute dumping heat in the hypoid gear oil AND more heat generated per tooth engagement means the 3. 54 generates more heat that the hypoid gear oil must handle.
Rusty