I did some more math and I find the numbers very interesting:
RPM for the stock 3.73 gears with the stock, 30-in. tires:*
3.73 in O/D
@ 60 = 1795
@ 65 = 1944
@ 70 = 2093
@ 75 = 2243*
The 4.56 may work great, but the RPM increase is only about 200-RPM at each speed over stock.*
With 4.88s the RPM increase is 400. I will have to drive the car in direct/4th this weekend and listen to the engine/rpm noise. But 200- is almost nothing and a 400-rpm increase doesn't seem crazy for the work it needs to do.*
Imagine how much (big) trailer I could pull with 4.88s. Hell, the 4Runner has a 7,000-tow rating (probably too much, 5k would be better) but it would probably pull really nicely with 4.88s, not so much w/ 3.73
I have thought of another way to look at the difference between the ratios. Instead of thinking of the RPM difference at a certain speed, one can consider the speed difference for a certain RPM. Basically for a given RPM I could drive 5-MPH faster or slower depending on the gears.
So, if I don't mind cruising at 2500-RPM then I can go 70-MPH w/4.88s or 75 w/4.56
2300-rpm = gives 70-mph w/4.56 or 65 w/4.88*
Though I don't mind going 65-much of the time there will be times when I will drive faster, 70-75 (passing doesn't count, then all bets are off

*
I do think the noise of the engine is possibly the biggest factor of going with the lower 4.88s on long trips.*
One thing I have been thinking about is that compared to having almost no roll-on toque now, I should have much more with the lower gears, hopefully keeping the torque-converter locked most of the time.
4.56 in O/D
@ 60 = 1994-rpm
@ 65 = 2160
@ 70 = 2327
@ 75 = 2493
4.88 in O/D
@ 60 = 2134-rpm
@ 65 = 2312
@ 70 = 2490
@ 75 = 2668*
With 4.88s I can adjust my driving style/speed slower for the lower gears if I need to, but if I don't go low enough the only solution would be to do the gears again (not going to happen!). That said, I bet 4.56 would still be terrific compared to my low/slow 3.73s.*It would be nice if more people had already installed lower gears on the new trucks but we are in mostly uncharted territory here.