The speedo being off isn't constant. At some point, it's reading slow. Somewhere in the spectrum, it's actually correct. Eventually, it reads fast.
You absolutely can NOT trust your speedometer. However, your tachometer and math don't lie. Gear ratios are constants.
Gear ratio x speed x 336 (a given constant) = a number
Divide that by the tire size
Multiply by .85 (that's your overdrive ratio)
This gives you an RPM at whatever speed you plugged in to start with while you're in 5th gear.
7.17 x 78 x 336 = 187,911.36
187,911.36 / 42.5 = 4,421.444
4,421.444 x .85 = 3758.23
So, again: 78 MPH, 5th gear, 42.5" tire gives you 3758 RPM.
Your tires are rated for 62 MPH