It really depends on your usage. I've got the 5.4 with 33in tires, but don't tow. I went to 410's and as you say, that brought it back pretty much to stock, since now my speedo is accurate to within 1mph or so. I drive pretty easy, but in the mountains I find that on the steeper hills I need to down shift unless I hit them hard and keep the RPM's way up, which doesn't seem to affect the engine at all. Unless you drive a lot at high elevations, pull a lot of hills or tow a bunch, 410's could be a good compromise. If you dislike downshifting, or want more power, going even deeper with the gears will certainly help at the cost of higher RPM 's on the flats.
By the way, you could buy my already rebuilt D60 with 410's and save some money in the process. https://www.sportsmobileforum.com/fo...oat-26330.html