A terra low kit makes way more sense then a regear. You may want to upgrade the pinion on the 44 and go with 1410 joints depending on your level of self control.
I know right now it is just a trail rig. But by going with a low kit you still maintain streetablity if you ever want to head to a different location without killing your engine rev wise. The terra low kit will be considerably cheaper and will beef up that 20 in the process while giving you a lower ratio then you will ever get by just a regear.