I have 2.5 ride right with 37s. I added a 1/2 spacer to the front to try and take out the rake the Clayton lift leaves. I think 3.5 may be too much for 37s in my opinion also if you do the 2.5 you can save your money on not needing a drive shaft.
Mine is doing a much lighter version than yours with the same lift and tires. Everyone loves saying tire tire tire. We need upgraded tie rod and draglink esp now that you’re on 38s. I’m personally Going with metalcloaks hd steering upgrade.
You should find a different shop for a quote. Mine was 2,000$ with labor for 4.88. Also, not regearing won’t necessarily hurt anything but it’s gonna put more strain on the motor and you’ll get worse fuel mileage. I think it would deff be worth it to re gear to 4:10. If you’re keeping it until...