I think you bought a great truck that is very capable. I can only speak to a 2500 but I think it aligns what you’re asking about. The reasons you’ve stated are all valid. I’m not convinced the difference in the gear ratios makes a lot of difference based on what you’ve mentioned is your tow needs.
I’ve had a 2017 Limited with the 6.7 Cummins and just bought a 2019 Laramie with the 6.4 Hemi. Your situation sounds like mine, I tow a heavy bumper pull TT around 10k lbs, 1130lbs tongue weight, 10-12 times a year, less than 400 miles on East cost moderate terrain. The differences of the initial upfront cost of the Cumins and it’s weight eating into the cargo cap. Then there’s the maintenance costs of frequent, expensive oil and fuel filter changes. Combined with higher fuel costs and DEF considered. Winner - Hemi.
My 2500 Hemi actually has about 1k lb more cargo cap than the diesel due to the engine and tranny weight difference and can tow almost as much. My Cummins was rated at 17,300 lbs towing, the Hemi is rated for 14,400. For someone who doesn’t tow frequently, for extended ranges and isn’t in mountainous terrain the Hemi saves money.
Towing - I don‘t know if you have experience operating a diesel but turbo lag is an issue. The 2017 Cummins was a beast but took forever to spool the turbo and get it moving BUT when it did spool it was unstoppable. Both trucks are/were daily drivers so that’s important when merging in traffic in Northern VA. The torque of the diesel is amazing, it would idle itself towing/backing our old 6500 lb trailer. The Hemi does rev a little higher than normal when towing but still gets the job done with ease. Mash the accelerator, the Hemi responds and it moves quick!!. The engine doesn’t sound like it’s overly strained while towing and the temps stay within normal operating range.
MPG - the diesel got 15+ city, approx 20 on the highway and a solid 9 MPG when towing. Dependent on terrain and tow load it would burn DEF commensurately. My experience so far with the Hemi in stop and go driving, same conditions I can’t get above 13.3 city and 16 at best on highway. Towing it’s also 9 mpg. It’s seems like the Hemi loses but when I look at the 2 mpg difference it’s not that bad. Since you own one you know the downside to the Hemi is the gas tank is too small given the consumption rate of fuel, especially when towing.
I am of the same mindset as you - for now I think the Hemi is the best for my current situation, for most of the reasons you’ve stated, costs, fuel, maintenance etc. Retirement isn’t too far away and I may decide to go with another diesel if decide to go full time Rving or do extended cross country trips.
As for the DRW - I prefer SRW for usability, ease of parking and operation. Unless you have a real need for it I think the SRW is the way to fly.
Congrats on your new truck.