Dave,
Actually we had a very similar thread several years ago here for anyone interested in referring back to it.
http://zr1.net/forum/showthread.php?...ear+axle+ratio
And I in fact did what you suggested, which was to use the stock 3.45 trans gear
With the 3.73 rear gear. Based on my GPS v Speedo, I get ~ 4% error! with the speedo reading slower. Good enough for cruising. Some of the specs are in that thread.