I've been in similar situations before. Any time I've made a change in tire diameter and wanted more gear I've usually found just getting back to what I had before left me thinking I should have just went to the next step. So if it's as in this example and a 28 inch from 26 inch tire made enough of a change to want the old gearing back, your probably geared to high to start with. If you aren't doing a lot of highway driving (or maybe even if you are and have a different mind-set than most others), grabbing a set of 3.91 gears is a step in the right direction,but you may find yourself wishing you moved up to a 4.10. Depends on intended use of the vehicle, though.