OK, first we need info:
1 True tire size
2 Existing gear ratio
3 RPM's your running at your optimal road speed (real speed, not what the speedo says)
4 What RPM's your shooting for at that speed.
5 What kind of offroading your doing and how much do you do it.
6 Lift kit. This is critical when looking at transmission swaps due to acute driveline angles with the added length of most 5 speed OD transmissions.
With a tach, you may find the RPM's are where you want them, but the fan or other road sounds makes so much noise it sounds like the engine is over-revving. This means you may not need to do anything.
You may not need a crawling gear if your running sand on the coast or fireroading. This means you may be fine with the existing transmission and a gear swap or a switch to an OD transmission is in order to get the desired RPM's.
You may want to do technical wheeling or crawling which will require a very deep first gear. A standard 3, 4, or five speed may not provide a low enough gear to accomplish what your trying to do. This may mean you will need to go to an SM or T18 series four speed. Whether or not you need to re-gear will be will be known when you answer questions 4&5.