It depends on what type of hauling you'll do. I had an F-350 dump that I often grossed 17,000 with, the 4.10 gears in it were fine for most work. It was only when I got off road in soft stuff that I needed lower gears, and I had the transfer case for that.
My F-550 has 4.86 gears, and for me they're too low. I run about 23,000 on it and have never had a problem starting off with the 6 speed. On highway, I can only run 60mph before the rpms start using a lot of fuel. I think the 4:30s would work better for me, but they weren't available when I bought the truck.
If I were shopping for a dump, I wouldn't consider the F-350 or F-450, the 550 is the only way to go for bulk materials. The other two trucks have no payload capacity compared to the 550 and the 550 is only marginally more expensive.
I would stay away from the automatic transmission too. Heavy loads combined with hill pulls will result in lots of heat being generated in the transmission. Heat is an automatic's worst enemy, and Ford's automatics are marginal to start with. My '01 F-350 is on its 4th tranny in 60,000 miles. I opted for the 6 speed manual in my F-550 and haven't had any problems with it.
If you can wait 6 months, Dodge just announced the introduction of Class 4 & 5 trucks, they should be available mid summer. You can't beat Cummins power!