Looking at your pictures, you have the 255 70R16 tires. In 1997 the only axle that came with those tires is a 4.10 so that is what you have. My '97 came with the same tires and axle. When I put 265 75R16 tires (32" equivalents) I could barely feel a slight loss in power off the line. Once I get above 30 MPH or so, you can't tell. My mileage didn't change one bit with the taller tires. Maybe the increased highway mileage makes up for the loss getting up to speed. My daily commute involves about 10 miles of highway, 10 miles of stop and go 40-45 MPH and 10 miles of rush hour freeway each way. 18 months after installing my taller tires, I still average 18 MPG between fill-ups.
Fortunately, your '97 is easy to recalibrate the speedometer. You have a Vehicle Speed Sensor at the end of you transfer case. It is held on by one bolt. Remove it and count the teeth on the gear at the end. Go to Ford and get an identical one with 2 less teeth. If your is like my '97 was, you will have a 20 tooth black gear in there. You will need an 18 tooth yellow one if you go with 33" tires (19 tooth pink one for my 32" tires).
If you decide you do want to re-gear, 4.56 will put you back to your original over-all ratio and will perform the same as stock. Figure on about $800-$1000 to have your front and rear gears replaced. You probably won't find it necessary though.