Given the fact just going from 3.21s to 3.55s comes close to doubling the towing capacity of a Ram 1500 pentastar (~4K to ~7K), I can't see going lower than 3.92.
Not going lower than 3.92. Like you said, it almost doubles towing capacity!!!
I'd be curious to see how this will effect MPGs. Too much of a drop and you're to the point you'd be better off trading what you have in for a Ram with the Hemi and higher torque capacity 8hp70 8spd. After all, all Pentastar Rams are a little bit limited with the 8hp45 I suppose.
Just a fun fact, my brother just purchased a new 2019 Ram 1500 classic express QC 4x4 with the Pentastar. The upgrade from 3.21 to 3.55 was a whole $95 option on the sticker.