With 4.56's, 31's and a non OD tranny you would be turning 3,213 RPM's at 65mph.
With 3.73's and the same combo you would be turning 2,628 RPM's at 65mph.
With your current 4.56's and you step up to a 35" tire... 2,845RPM's at 65mph.
For the best fuel mileage you want to be around 2,000RPM's. I get 20+ at 70mph turning 1,800 RPM's with 3.54 gears and true 31's on my Dodge cummins.
I would consider a taller tire for the cheapest route but if you really want to get the best mileage you should consider swapping to a Th700R4 or NV4500. The first gen dodge cummins 89-92 had the option of a 5 spd manual and a torquer flight 929. You got 4.10's behind the 5 spd and 3.07's behind the 3spd auto. THe clear choice is the manual but the problem was that it wasn't an NV4500 yet but a underrated LD tranny that had many problems. The TF auto worked fairly well but the high gears hurt acceleration and towing performance.
My point is is you could gear way up but with slower acceleration as a consequince. IMHO, an OD tranny is the way to go.