That exact same transmission is and has been used in much larger applications than the Ram 6.7
Nobody with a ZF and 37’s have said they felt the need to gear. In fact, the ZF has a much more aggressive gear ratio than 4.10.
First gear of a 68RFE is 3.28
First gear of a ZF PowerLine is 4.89
The drivetrain with the ZF is plenty happy with 37” tires.
Stress on a transmission isn’t just about tire size. It’s about converter slip, heat, shocks load, sustained towing load, and tuning. The ZF isn’t going to suddenly operate on the edge of failure with 37 inch tires.
With how close the gear ratios of the ZF are, 37’s keep the transmission in its powerband instead of lugging. Lugging with 37s and the 68RFE (on top of it being a chit transmission) is what kills the drivetrain. High load at low RPM is where stuff fail.