As a guy that came from the thought process of "buy the most capable truck you can afford", I can say that mentality doesn't make a whole lot of sense for most people.
I tow a race car 10-15 times a year and bought my last truck thinking that I needed a 15,000 pound tow capacity to tow 6,000 pounds. That cost me a ton of comfort, higher cost of entry (diesel engine), higher fuel cost, and much higher maintenance cost. I know that does not come along with just a slight increase in gear ratio but my point is that you should spec out a truck for what you actually use it for. No need to have the higher gears if you will never ever use them. The 3.21s really don't hurt the average tower unless they are towing a big car hauler or a travel trailer.
Just my personal opinion but I would rather have the truck be suited for what I use it for on a regular basis than what I MIGHT need it for once in a while.