I think with towing involved 4:56 would be the way to go
regear the rear means changing the diff carrier,ring and pinion plus new bearings,seals and shims
finding a used d35 with atlease 4:11's
probly cheaper to find a used better geared axle but as always with used....its used.You never know how it was treated or how long it will last.
I'd regear if it was affordable
also consider the price to have a shop to regear it,labor cost alot.
carrier is about $70
r&p about $200-$300 but you get the exact ratio you want
master re gear set is $110,all bearings and shims
then with either choice you make you still need to regear the front to match and if you dont match the front the same time as the rear you gotta pay more labor.
its cheaper to bring just the axle to the shop,not the whole Jeep