My honest opinion is that anyone that tows heavy (above 8Klbs. ) should have a 4:10 gear set. i know most here don't because of mileage, but and this is a BUT, if you tow heavy and often the priority should be on towing. The difference between 4:10 in high gear and 3. 73 in high gear is almost a full gear. (4:10 x . 79 =3. 24) So if you had an automatic with a OD gear ratio of . 79 (21% overdriven) the above formula shows the difference (3. 73 x. 79=2. 95).
Plus with the automatic, you have the torque multiplication factor of roughly 40 gain. So with the TC unlocked your 600 ft/lb of torque Cummins now will have 840ft/lb available at the transmission.
I have 33" tires that I use for towing, and 37" tires I use for playing. The difference between the two is the 33" tire has a roll-out of 103. 62" and the 37" tire has a roll-out of 116. 18". The 33" tire has 611 revolutions/mile while the 37" tire has 545. 36. Thats alot of difference, when there is the weight difference. Depending on the brand and style, your 37" tire is right around 100lbs, probably twice the weight of a stock tire. The extra weight is a real acceleration buster, just kills the low end performance. Thankfully you have a Cummins and lots of low end torque, so it isn't nearly as bad as it would be with a gasser, but it still robes power.
Many TDR members live in the plains states, where the country side is bone flat. 3. 73 gears would seem OK in areas like that, but once you get into the mountains or areas with many rolling hills, they fall flat.
Your cheapest fix would be to change tire size for towing, for the best towing results I would change out the front and rear gear sets to 4. 10, and go with a smaller tire for towing. Lugging up the hills in the slow lane is definitely not fun.