I'd stick with the 3.54's. With no OD on that TF999, 3.73 will be a little much. You live in Memphis, which means MUD, not rocks, so no rock crawling, and since you're only running 31's I think you'll be good.
I'm running 31's with 3.31's and think they're fine. The other Jeep I have 2.73's and 31's and it leaves a little to be desired. I think 3.54's would be perfect around here for 31's.
85 CJ7 258, borla header, Team Rush, MC2100 ,optima batt, Warn 8274, agr super box 2 & pump, T5 w/ B&M shifter, centerforce 2, superior 1 piece axles, warn hubs 2.5 in lift, 31" BFG MT
85 CJ7 258, A/C, T176, MC2100, Team Rush, Warn XD8000i, superwinch hubs, 3in lift 31" BFG AT/KO