Suggestions on Drivetrain swap

[JeepHD]

Looking for suggestions on rebuild of my YJ. I picked up an HPD44 with Ox and D60 with Detroit from Hardluck friend for a good price. I was planning on regearing and running a flipped D300 on my YJ, but got to thinking today about not regearing and running an atlas. I will be running 37-38 tires AX-15 and 4.0

ORIGINAL PLAN
– Regear both axles to 5.13 and flip D300 - Gears and install kits ($550) ,D300 ($150), D300 Flip Kit ($550), Gear Installation ($200), Clocking ring ($100) = Total of $1550 for a Crawl ratio of 51:1

TODAYS CONTEMPLATIONS!
– Leave axles at 4.10 and buy atlas 3.8 or 4.3 - Cost $2000, Crawl of 60:1.

It would only cost me and addition $450 and would save a ton of time and hassle with re-gearing and flipping the D300.

I know overdrive would never ever be used but how underpowered would I be when not in low range? How bad do you think taking off from a stop would be? This is not a daily driver, but I do want it to be driveable on the road at 55-65 mph

Let me know what you think

Thanks
Josh