What size tires do you have? I've got 33's and I'm actually pretty happy with my 3.73s (coming from 2.73s it was like night and day). Alot of guys on here will say not to get anything less than 4.10s but that all depends on what you are going to do. If you're going to do mostly road driving with the occasional jaunt off road then I'd say 3.73s would be just fine. If you're going to use it alot offroad and some on road then I would say to definitely go with 4.10s or 4.56s (assuming you're not running huge tires). At 70 on the highway I run about 2150 rpms but it would be pretty much perfect if my engine had a tad more power. Also, I'm thinking about switching to an SM465 which I would not really want with 4.10s or 4.56s since I don't plan on going with larger tires. As far as putting in gears, unless you've got the patience, tools, and time, you would be better off having a shop do it but if you're mechanically inclined and it's something you may want to try then, by all means, try to do it. Hope this helps.
-Wes