Costs do seem to go up exponentially once you start building a project, I know ;)
I never changed my diff ratio and am still on stock, can't say I am bothered though. Since you are getting new diffs from ashcroft, I assume you are going for lockers? I have opted for the diff pegging, have you?
At some point you will have tackled all the weak points, with RCV half shafts, tom woods double cardan's etc. The next weakest link I think is the VCU in the transfercase or the autobox/transfercase itself I guess...
Good luck with the build and keep up the good work!
Cheers,
-P

