Yes you'd have to swap the front to a 3.21 to.There won't be enough gain in milege to ever pay for the gear change. Unless you found somebody to swap diffs with,and they gave you a few bucks on top,and you swapped the housings yourself. Then you'd be ahead of the game and it'd be worth it,but if you're paying somebody to swap diffs,or install gears in the rear one,and swap the front diff,no you'll never get your money back. The front diff is a complete swap,as you can't change the gears in the front end.
You are sitting on the diffs alot of guys do want though,so finding somebody willing to swap your complete 3.92's for their 3.21's won't be hard to do.If you go that way,you could even ask for money on top.
Another option to look into would be swapping in 3.55's,they're a good middle of the road gear set between the 3.21's and 3.92's