If you're looking at a 3500, the ETH/DEE with 3. 54's has GVWR/GCVWR of 10,500/20,000. The same package with 4. 10's is 10,500/21,500. Towing our 5ver (see signature), we're at 10,380/21,180 actuals, and the 4. 10's make a sweet towing package.
The only downside with the 4. 10's is if you run empty for sustained periods at 75 MPH +. I'd look into a U. S. Gear OD if that were the case.
Rusty