It's really down to just the gearing and the LSD for me. I just don't know which combo to choose. I'm good with everything else. Don't need the 3.92 at all -- I'll never be towing or lifting my Ram. But, it seems from the forum that they're awesome to drive. Although it doesn't have the LSD, it's $2,300 cheaper than the other model.
On the flip side, the other one is more expensive and "slower", but has the LSD. Decisions decisions!
Do you mostly drive on the highway? If so, the 3.21 will benefit you with some gas savings. Accelerating above ~60mph, engine power and vehicle drag matter more than gearing (passing slow drivers on the highway). 0-60'ish sprints the gearing is more important. Just depends on what you're realistically going to do with the vehicle.
I extensively drove identical 2014's, one with 3.21, the other with 3.92, and I went with the 3.92. For ME, everything about 3.92 was better. I don't sit on the highway forever at 80mph. Highway speed limits around me are 55, and occasionally 60mph. Plus traffic is bad, so actually cruising at 60-65mph is rare (unless it's late night/early morning), and I've wasted enough $$ on tickets for 15-30mph over the speed limit in my teens and 20's. (knock on wood) I never get caught sprinting to 60+mph... I always got caught on cruise control...
So anyways, This is very much a personal preference to determine which axle ratio is better. Both axle ratios serve a purpose. The fuel mileage difference is irrelevant at the speeds I cruise at. I'd rather have the towing power, and quicker acceleration from the 3.92. Same reason why I picked one that has air suspension, rambox, nav, parking sensors, ect.. I use them everyday. All the stuff mine has further increase the usefulness of my truck for me.
For you, or others, that may not be the case. Higher speed highways apply to many, hauling wide objects in the bed, lifting the truck, maybe the price tag is the deciding factor.. All those examples may negate the setup my truck has for others.