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We have the ‘21 F350 SRW 6.7 10 spd with the 3:55s. Also using stock tire size 275/70/18 with Nitto off-road tires. There is one place we tow on a windy, steep hill where it’s best to be in 2nd for about 5 miles. I think it would be fine on 3:31s. Happy with our set-up.
You might consider if you will upsize your tires, how often you tow, and what kinds of terrain you usually encounter.
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