NAG1--NAG1 With 3.07 Final Drive Ratio
3.59----11.02
2.19----6.72
1.41----4.33
1.00----3.07
0.83----2.55

545RFE--545RFE With 3.73 Final Drive Ratio
3.00-----11.19
1.67-----6.23
1.00-----3.73
0.75-----2.79
0.67-----2.49

So you can see that the 3.07 really doesn't put you at a gearing "disadvantage" since the trans gearing equalizes it.

If anything, consider yourself lucky since you can re-gear to 3.73s, which happens to put you back to stock ratios when running 35s!