What's in it at the moment for rear gear is what it came with from the factory. 3.21/3.23
I've had several vehicles with the 3 speed auto and 2.94, and wasn't that bad for all around daily driver.

I've also had a wrangler with 3.07s a 5 speed and a 4.0 inline 6, and 5th was all but useless below 60 or ao