I beleive 5th is also an overdrive gear in the 68RFE.
I though the threat of burning the overdrive clutch was only during an engine lugging event, a difficult event to cause because the computer will force a downshift long before the lugging starts. In this context, lugging is a loss of RPMs while the throttle is wide open, like pulling heavy up a mountain.
Please elaborate, I don't have first-hand experance (don't want it either) but have read about this issue and don't fully understand it.
OP
Cummins makes just the software app you need. The Cummins PowerSpec application will tell you the best gearing and engine RPMs for your load and towing environment. Best of all it is free;
https://cumminsengines.com/powerspec-download
If you don't feel like going through all the work, I can tell you what I got. I'm pulling about 15K in a 3500 SRW with the same driveline as you. The PowerSpec said the best engine RPM is 1,800 to 2,200 RPMs. At your speeds, I use fifth gear. Actually I use tow/haul mode which keeps the transmission in fifth gear at these speeds. Hope this helps.