The value of the mechanical advantage of the 4.10 isn't at cruising speed, it's during startup and acceleration. In effect, it provides an extra gear with more torque multiplication than is available with 3.42s or 3.73s as I can use all 6 speeds effectively when towing, not just 4 or 5. In effect, with 3.42s, you're taking off in 2nd gear as compared to 4.10s - if you never have to start from a dead stop on a steep hillside while towing a heavy trailer, I guess the higher (lower numerical) gears might be fine, but I like the ability to have the higher starting torque, better acceleration and 6th gear cruising of the 4.10s while towing without high RPM at cruising when deadheading (thanks to the double overdrive 6th gear). There's a technical reason that GCWR goes up with the lower axle ratios - for a given rear wheel torque at a given road speed, driveline torques are reduced by the lower axle ratios.
Depending on how much you tow, YMMV, of course.
Rusty