I do my own gears, it's really not that hard if you can install a SYE, you can install gears. A bunch of us in my club pooled our money and bought the tools to do it. You WILL need specialized tools that total equal about $400-450 depending on what you go with. it is a trial and error deal though, if you make set up bearings, which will add about $60 to the over all cost, you won't have to constantly press the bearings on and off.
As for the gearing I should have been clearer that was my fault, I typed something, and didn't back space enough... Off road, there were plenty of times that I wished I had been deeper in my gears, less throttle, one of which I ended up on my lid. ( I blame the gears, had nothing to do with the retarded line I wanted to try) street and highway driving were great, With unbalanced Q78 TSL's (10 oz of air soft inside), 70 mph was about as fast as I wanted to go, and I was at about 2800 rpm's.
Probalem is solved with a 231/D300 doubler and 5.38 gears in the 60's so I will have great ratios for crawling, as well as some wheel speed for snow wheeling and steep hills.