basically when you get bigger tires the engine spins slower to go the same speed, however because the engine makes less power at a lower rpm the truck struggles to stay at speed and then downshifts. the best way i can describe it is like if you started in 2nd gear. the idea behind regearing is that the ammount of spins of the engine stays the same over a mile, so since the bigger tires spin more slowly at the same speed you need to increase your gear reduction(go from 3.90 to 4.88). if you went down to smaller tires you would decrease your gear reduction(go from 3.90 to 3.42). when the truck was designed the engine and transmission were setup to work a certain way, getting bigger tires throws the whole system off, so in order to get it back a higher ratio for the final drive is nessesary.
jist to give you a better idea, the engine output travels through the transmission which then reduces the speed of the output by a certain ammount
Manual transmission: First Gear: 3.830:1, Second Gear: 2.062:1, Third Gear: 1.436:1, Fourth Gear: 1.00:1, Fifth Gear: 0.838:1. Auto transmission 1st 2.804:1, 2nd 1.531:1, 3rd 1.000:1, 4th(overdrive) 0.705:1. then for a 2wd truck the driveshaft goes down to the back axle and gets reduced again by the gears in the differential.
btw final drive is the ratio of the gears in the differential/ differentials.
another thing to consider is that the auto transmission has an overdrive ratio of something like 0.73 and the manual has a ratio of about 0.83.
and now after looking at all of this, i have ths tallest possible combined ratio possible for a 4wd 3rd gen haha... wtf. i didnt realize the manual had thay much better gearing.