Go .68 OD. If you're concerned with lugging the engine, drive faster before you shift, or just stay in 4th (No different from what you have now) longer. Then you have the extra OD for those times that you need to cruise on the interstate.
If you get the .81, juggling shift points will be of little benefit if you ever need the extra OD.
Recap - with the .68 you can always delay the shift into 5th.
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