Explorer,
I have some questions. How old are you? This makes a big difference, usually in how fast you travel. 40 years ago, I would try to stay 5 mph above the posted speed limit. 40 years later, I travel leisurely in the slow lane just downshifting for hills. I recently changed my gears from 3.54:1 to 4.10:1 when I went with 35 inch tires, heavier wheels, carrying my under 2K pound wet Lance Camper to the boonies. For my driving style and the load I'm carrying, I'm in the sweet spot with the 6 speed manual and 4.10's. If you are absolutely sure you will never install taller tires, I'm thinking 4.10's would be ideal with the heavy Lance 1172 even without towing. The International V-8 diesel likes to rev; at least more than my Cummins I-6. With the incredible power now of all the available diesel pickups, you could probably go with either ratio and not see much difference. Do you drive with the pedal down a lot? If you need all the power that the engine produces to stay in the fast lane, go with the 3.73's as the trans will downshift more and deliver more usable power. My bro just bought a used 2015 Ford F-350 SRW Navistar with the twin turbos. Boy, that is some power when the duelin' turbos kick in. You need to know what end of the power need you are on.
jefe