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12k for the truck would be fine. You just need to make sure you are not exceeding your GAWR's and your current tire ratings. Best bet would be to go back to stock tires to get back to 3.73s. 3.42 is gonna be tough with that kind of load though. I would not bother with the pricey gear swap unless you are towing weekly. If you do the gear swap, I would lean towards the 4.10's. Again, unless you are towing weekly for work or something I don't think the lower gears will be worth it, and it will hurt your fuel mileage unloaded, unless you really slow down.
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1996 F250 4x4 ext. cab, long bed 5 spd. 3.55ls, Tymar Intake, Tymar 4" downpipe and 4" exhaust. AIC, B&W turnoverball, EBPV brake, tranny temp gauge, boost gauge, and egt gauge. 235k miles and thousands of $$$$ in maintenance and repairs.
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