I was talking to the guy at The Jeep Hut, he said as much as he'd like to sell me a regear, he recommended that I try it with the Rubi gearing (4.10) to see if I like it. He said he has done many dozens of 37" Wranglers, and the owners of the Rubi's are typically happy without the regear. Either way, I think his advice to ride it with stock gearing before I switch seems wise. I'm going with the 1.5" level upfront initially. If I run into any issues with rubbing offroad I'll pop on the OEM lift. But my 5'3" SO would prefer that it doesn't get any harder to climb into, so the decision to lift is a decision to add the RockSlider Step...and that's a pricy combo!