You don't need to pull the cover to determine the rear (or front) gear ratio. Easiest thing to do is to look for a 'tag' or identifying info on the rear axle & then decipher it. The other option is a technique I'm not too familiar with but I think it involves lifting the rear tires (or tire) off the ground then rotating the tire one revolution while counting how many revolutions the driveshaft makes -- the difference btwn the two would be your truck's rear gear ratio. Also, I think, technique is best done in direct drive, 1:1, not OD. More calculations would be involved in anything but DD.
Good luck.