I just got 37s on my 2020 JTR (4.10) and honestly, I barely notice a difference. Sometimes when I’m getting the highway up to speed, I have to let off the gas to allow the transmission to switch to another gear. But that’s it. I had it at 90 on I70 and it ran fine with that gas/transmission trick I just explained. Other than that I don’t really notice much of a difference. Get the 37s and see how they feel. You can always regear after the fact. I think you may find very little difference (or I just got lucky with my setup).
Not much problem here either with 37s and 2.5" lift on 4.10. It does feel a bit sluggish going up the mountains though. But I only do that a few times a year. Daily driving feels quite zippy. My usual highway speed is 70-80 with no issue passing. Only issue is guzzing gas when I step on it, as expected.
Only thing I really notice is the constant shifting between 7-8 gear at 70 mph and up. I took a trip from central NC yesterday to Virginia climbing lots of hills and averaged 19.2 mpg. Very happy with that. My previous Tacoma or 4runner would only get 16-17mpg on same trip.
I'd been running the 4.10/37" combo for about 6 months. Except for highway driving, really had no complaints about this set up. I do light trail riding and drive like a grandpa around town. (I am a grandpa after all)
As I'm sure you've seen over and over, the recommendations for 4.88s kept running through my brain and a couple of weeks ago I bit the bullet and regeared.
I can tell you first hand, 4.88s are money well spent! I "thought" I was OK with the 4.10s but I would never want go back.
Highway driving (which granted I don't do a lot of) 100x better, MPG actually a little better and the improved acceleration makes this an upgrade you won't regret.
I had 4.10s & had problems with shifting & power especially off the line, my gas mileage also dropped dramatically with 37x20s Nitto TG M/T. Regearing to 4.88s returns it to stock, my Jeep shop always go one ratio deeper so I have 5.13s. I now have plenty of power not getting stuck in gear anymore. My mileage went up from 13MPG to 16.5 which is better than the stock 33” wheels. I have a 3” lift and I’m in Colorado, best decision I’ve made after going to 37s. Regearing is a must keep in mind your probably going to be adding more weight over time so the deeper gears will save you.
If plans for any punchy steeps and/or crawling, I'd say regear to at least to 4.88 is needed. Highway stuff is fine but like stated above gas mileage suffers and I bet any uphill onramps feel sluggish.
Holding on to my 35"s still plenty capable, just slow n easy on the breakover stuff.