Gearing for a 3-speed versus 4-speed automatic

Steep OD vs no OD.
X2. Put another way, the 4-speed's Overdrive has an overly aggressive .69 Overdrive ratio which drops the RPMs down WAY too much which makes the engine struggle. You have to be more aggressive with the axle gearing for the 4-speed to counteract that problem. The .69 OD ratio means the engine rpms are only 69% of what they are when you have a non-OD automatic.