Let me ease your mind. My first F 350 SRW crew cab 4x4 was in 1996. It had 355 gears and when I installed 35" tires it would not get out of its own way. Had to trade the tires in for 33's. At that time stock tires were 31"
Today the trucks have twice the power and are geared for near stock 35" tires from the factory. I just installed 35" Toyo's and I am dead on with the speedo and GPS with 355 gears. I wanted 373 but not necessary. Back in the day you needed 410 gears. You could get in 1996 a F 250 2 wheel drive Powerstroke with 410 gears. Not anymore, and not needed. If you stick with 35" and 355 gears you will be fine.
I have 265 17 on f350 srw swb cc and have no problem pulling north of 15k with 3.55 gears. I know I am I am in a minority but I don't like the bigger tires as they don't seem as stable when towing near the max load. It does amaze me the number of these trucks l see lifted then having a massive drop hitch to pull a trailer. If your ordering get the factory 5th wheel mount its a solid setup.
Our trucks have a factory 20" wheel option with the stock suspension set up (no leveling kit required). Going with after market 20" wheels shouldn't be a problem height wise, but if you go with an excessively wide wheel/tire then it may start creating problems.
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