my91explorer4x4,
If the truck has not been modified, you will have the same gears on the rear as you have on the front. It is an ok gear ratio if you are just running around the street. I don't think I would tow anything with it though. I have 3.55's on my truck and it has 31X10.5 tires, but the SOHC has more horses then the OHV that you have in your truck, so the power loss is not really noticeable. I plan on changing gear ratios after I lift the truck. Hopefully mid year. I don't do too bad going off road, but have to work alittle harder then those with lower gears. You will probably do alright if you add a drop in K&N filter, but you won't be winning any races. You have to know what you want to do with your truck before you can tell what gears are best for you. If you want a daily driver, but like to do some decent 4wheeling. I would suggest 3.73:1 at the least, and lean more towards 4.10:1 if you find you really like 4wheeling alot. If you are serious about 4wheeling, then you should have at least 4.10:1 and maybe you should look at 4.56:1 gears, just remember that you can't have a good commutor truck and a serious "Big Dog" truck that gets good gas mileage.
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Happy Wheelin'
Ray L.
97 XLT 4X4 4.0L SOHC