Final comment on this, another way to look at this, all the rear axle ratio does is shift your 8 gears left/right slightly.
Being a 1500 guy I'm most familiar with my truck, so start with the 3.21 and the ZF 8 speed.
Gears = 1, 2, 3, 4, 5, 6, 7, 8
The 3.92 basically means you open your transmission, shift your gears right, the 8th falls out and you put a deep first gear in the empty spot to the left, you now have:
Gears = 0, 1, 2, 3, 4, 5, 6, 7
You still have 8 gears, you gained a really deep first gear but lost an overdrive.
Both trucks still have gears 1 - 7, they're just in different positions, if either truck is in the gear labeled "6" then their torque multiplication is the same.
For the 2500's and the 3.73 vs 4.10, it's not a complete shift left/right, more like a half step:
Gears = 1, 2, 3, 4, 5, 6, 7, 8 for the 3.73
Gears = 0.5, 1.5, 2.5, 3.5, 4.5, 5.5, 6.5, 7.5 for the 4.10
In some situations, the optimum gear (lowest gear possible to meet the required torque output) might be 6, in others the 5.5 might work better.
This is a little flawed in that the math doesn't actually work that beautifully/cleanly everytime (it does work really well in the 1500 case), sometimes you might get like a 2.647 instead of a 2.5, but the concept itself, that's basically what's happening.