A lot of your decision will be based on your driving style. I have ridden with you enough to know that you are more of a crawler than a high speed guy on the trails. I am the same way. I have never had a rig that was too low for what I like to do on the trails. You can always shift up. I have had rigs that would not run 60 mph on the highway but that’s not what I needed them to do. I never had any problem running from Crawford’s to the Tellico trails, from Robbinsville to Little Buffalo or anywhere else I needed to do some highway driving. So, low is the way to go for our preferred trail driving style.
My Krawler had a 205 crawl ratio with 42” TSLs. K2 had a 102 crawl ratio with 36” TSLs. Both rigs worked the way I wanted them to work crawl ratio wise.
Your current rig is: 3.83x2.72x4.10 = 42.7 crawl ratio
With 4.88 gears: 3.83x2.72x4.88 = 50.8 crawl ratio
With Terra Low: 3.83x4.0x4.10 = 62.8 crawl ratio
With Terra & 4.88: 3.83x4.0x4.8 = 74.7 crawl ratio
74.7 crawl ratio with 35” TSLs is where I was with The Krawler when I decided that it was just not low enough for what I wanted to do! Even with 33"s it would not have been low enough. I cannot imagine trying to do challenging trails such as Harlan, Windrock, Golden Mountain with a crawl ratio less than 75 for my style of driving.
If I was you, and had the money, Terra Low AND 4.88 gears, no question!