I have a 4BD1T, MSA and 1:1 transfer. I still start off in second gear.
I used to run a 1.2:1, still have it, but the lower revs, lower noise and lower fuel consumption are excellent. First gear is still plenty low enough. It is only used when you need to go slow. Not for starting to move.
If you run 33" or larger tyres, you'll get similar gearing with the 1.2:1.

