I run 33x10.5s with 4.88s, and could get by with 4.56, on the highway.
With 37s, 5.13 would be the min.
Remember the weight and rolling mass of those tires.
Brakes, ujoints, driveline, and lets not forget your poor, poor auto tranny.
I see you being passed by bluehairs with grocery carts.
Ever been dusted at a light by a Honda Hybrid?
Enjoi.
HTH.