I would figure out what tire height I was going to use before deciding gear ratio. .25" isn't going to make too much difference but it all adds up. I run a stock M20 4sp with 3.23 gears. I like it. Things did change a bit when I changed tire size. It's not bad but I'm usually hunting for another gear when first getting on the freeway. I think a lot of it has to do with the noise it puts out. You don't get that in a daily driver so it sounds like it's running harder than it really is.