I think you'll like the 4.10 gears with the 32". If you plan on moving to a 33" eventually {never happen, I'm sure
} , I'd move to the 4.56, though.
STREET:
I'm running 4.10 gears with 35" MT/R's. I'm getting 17 mpg on the freeway, but around town I'm usually more like 13-14 mpg.
I went to a 33" SSR {4.10 gears} and that was OK, dropped to 18-19 mpg and about 14-15 mpg around town.
I started with the 4.10 at 32" MT/R's which were excellent, as I got close to 20 mpg on long trips and about 15-16 mpg around town. My speedo was a little high {when I was running 55, my speedo would read 60--excellent, as I've always pushed the speed limit a little}.
OFFROAD:
4.10 with 35" are not impressive--4.56 is probably in the list of mods
4.10 with 33" are adequete, but 4.56 would be nice
4.10 with 32" are pretty decent. Low enough to crawl a little (someone with a 4-1 or an Atlas will still whip you-but no real braking action was required to 'keep control' while climbing weird things), but high enough not to kill your street manners.
Oh yeah, and welcome to the BB.