Overdrive or don't worry about it? !

YY1 said
...so a 3.23 rear with 26" tires for town use and 28-29" for highway use would be like going about "halfway" to the next gear?

here.. play around with tire size, OD units and gear ratios.. if the gear isn't listed just type it in yourself and it will still calculate correctly.. Speed/Tire/RPM calculator