I am sure you have seen this calculator, it is very close IMO.
http://web.archive.org/web/20050204061805/home.comcast.net/~jcmiley/bronco+gears.html
I think even with 35's you don't need the ZF unless you want to run 100 MPH. My expereince is that these small blocks don't create the max hp at low RPM. With the 35's the 435 and ZF at 60 MPH are running 2600 & 2000 RPM respectively. With 37's you are talking 2500 & 1900 RPM respectively. I could argue that the ZF is too high geared. I have 37.72" tires on my rig with 4:10s and I think it is perfect....that is 2200 RPM at 60 MPH.
I'll have to bookmark that calculator because it's dumbed down, for guys like me. ;D
My final crawl ratio will be 75:1
2650RPM @ 60mph
2850RPM @ 65mph
I think she'll be screamin' at 60 - 65mph, but that's okay. Everything I've done to this point, has been in anticipation of having an overdrive tranny. So, I knew going in that I would have to tough it out for a while.
As Ben said, I think I'll be good for a long time. I'll have a mostly new, but more importantly very dependable drive train, front to rear. That's what I've been working toward for the past 1.5 years.
The 5-speed, EFI, and front ARB will come when I can afford them. At least I'll have a dependable rig that I won't be worried with taking where ever I want.
Chad