It's been my experience around here that 4:1 in the t-case is too low for most trail riding. I see too many jeepers have difficulty finding a tall enough gear for loose or muddy hills, or any obstacle that requires throttle. I find 2.72:1 and proper axle gearing much more effective.
What kind of terrain do you have out by you, Bounty? I'm in CT, northeast is basically rock, muddy trails and hill climbs that can be pretty slippery. I want the best set up and it seems that my buddy was backing your argument. I have to keep in mind that the diesel will have a ton of low end torque, so if i pair it to the Rubi case, it may end up being too low.
If i understand correctly, the issue will be muddy hill climbs, correct? In 4 low with a rubi, i won't be able to spin the tires enough to get traction, but if the hill is rocky on the other hand, ill be able to idle up...