I would say go with the lower ratio, as long as the RPM is high enough to keep the clutch shoes engaged, I think it would be OK. That's the beauty of having a gearbox tranny, you always got more gears.
I was pondering the very same thing, except obviously mine will be simpler, to an extent, and I think I want to drop my final drive ratio to around 4.5:1, thats down from the stock 3.9:1 with 20" tires. I'm not not certain which tires I will have out back, but I would like the option to go to 22" or 25" if I wanted to, and if I were to get some real digger tires, I might still drop it a bit lower, say maybe 4.8:1, but thats the advantage of running a jackshaft, relatively easy to change gear ratios, not to mention cheaper.
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'04 Dazon Raider 150 'modded'
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