I'm not even a veteran here, but I, too, am getting pretty sick of these gearing threads... The 31" to 33" territory has been covered to the point of absurdity, so here it goes:
In the DD and weekend-warrior realm, go with 4.10's if you're never going to go bigger than 31" tires. If you really think 33" tires are a possibility in the future, go with 4.56's.
P.S. - I really hope this doesn't come off as patronization or make it sound as though I'm a condescending ass, but if you look through the last 2 pages of recent threads you'll find several discussions on the matter (both new and old). The search tool is your friend, as is the "site:naxja.org" term on Google.