First of all let me say THANK YOU to all that helped out here. This forum is a great resource.
I went with the 3. 54 gears, and here is why. The 3. 54 gears will work great for every day driving, and work ok for most of the towing I do. The 4. 10s would have worked better for most of the towing I do, but for one trip each year they just would NOT have worked at all.
Once a year I join a group of local four wheel drive enthusiast for a trip to the Rubicon Trail, which we enjoy driving with our Jeeps. We don't bring the campers for this trip, because we camp out on the trail instead of at the campground. I would therefore be towing a 3,000 lb. trailer with a 4,000 lb. Jeep on it. The trailer is a bit on the overkill side, as it is rated to carry 14,000 lbs. , has eight lug wheels, 12 ply tires, and huge electric brakes on both axles. The trailer doesn't even realize it has a load yet, with just the Jeep on board.
Anyway, ... the group I go with thinks this annual trip is a 1900 mile long drag race, and includes one person that owned a Chevy dually with a supercharged 454 big block; however, this person now owns a new Chevy dually with a Duramax diesel. Another person owns a Dodge Cummins 12 valve with
extensive mods, claiming >900 ft. lbs. torque. Another person owns a Phord Powerstroke that is heavily modified as well. As for me; when this all started in '97, I owned a Phord Expedition, and got smoked really badly on these trips. In '98 I bought a Dodge dually V-10, and still got smoked, but not nearly as badly. And believe it or not the Dodge V-10 got better gas mileage towing than the Phord Expedition did (6. 0 vs 5. 3 mpg). I really revved the snot out of that Expedition while trying to keep up

.
Now it is '02, and it is time for me to step up to the plate, so to speak, with the purchase of a new truck. I'm starting with a Cummins H. O. , and may eventually add injectors, 4" exhaust, and an add on computer module, but will likely stop at the 750 ft. lb. stage.
Rob Hanson's comment that I should get the 4. 10 gears if I want to tow at 62 to 63 mph was a real eye opener. These guys tow at 90 to 100 mph across those deserted highways in Nevada. I'm going to need the 3. 54 gears to keep up it would appear, so that is what I ordered. Maybe new friends would be cheaper than a new truck

.
Go ahead, tell me I'm irresponsible. I deserve it.