Hey Neil, numerically 4.56 should put you at stock gearing and 28" tires. Now if you account for the the extra height, tire drag, and wind resistance then your undergeared. As far as the trail is concerned you'll be fine. With 4.88, you would have to run a 38.5" tire to have equal to stock gearing. Which would make a killer crawl ratio, with out a crawler case.
Basically your trying to figure out your on-road day to day driving. When it comes to the crawling, I like to be on the conservative side and play it safe. I would choose the 4.56, then look into a crawler TC.