4K tow is very worthwhile because it includes a trailer brake controller. The Maverick is a light truck so if you're towing anything with trailer brakes it is extremely helpful to be able to use them. You can technically add-on an aftermarket trailer brake controller but unless you are a pretty skilled mechanic you'll probably pay someone to install it and you could just have it from the factory instead. The gear ratio is minor benefit because it's only 10% difference.
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