Yeah, I still average 20-22 all around. I lost a mile or two on the highway, and gained a mile or two in town, so it evens out. I make a 4 hour drive every month for national gaurd drill, and I still dont regret the 4.10's. I guess it would just come down to are you planning on ever getting a SC or Turbo or not. If you are still leary about going too steep, maybe look into 3.90's and split the difference.
The one thing i dont like is you cant shift back into third on the highway to blast round somebody. its just too tall of a gear, so you have to shift down to 4th. still fast though. and it sounds alot better when you are bragging about your car to your buddys also...

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04 GT - Flowtech ORH, CAI, Flowmasters, Diablo Predator