Welcome to FRF!
re: diff -- cheapest option, unless you find a gift, is to swap out your rear axle for an axle with the gearing you want installed. this option will run you about $100 to $400, plus installation (or you can install it yourself).
buying new gearing will run you at least $400 for the new gears, plus several hours labor in installing them...
options on the first choice include asking yourself if you want rear disc brakes or not. if so, then look for an explorer axle with the gearing you want; it'll likely have rear discs. if you want to stick to drums, then look for the appropriate ranger or explorer axle with either 9" or 10" drum brakes...
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2001 Ranger XLT 4.0L SOHC
Silver Frost w/ Dark Graphite interior
Modifications
Summit 3" Body Lift
31x10.50 A/T tires
Explorer overhead console
Explorer auto-dim mirror
Explorer auto-headlights
Aux1 & Aux2 inputs on factory AM/FM/CD/Cassette
Door-dinger silencer button
Seamless retractable roof and passenger-side ejection seat with steering wheel mounted controls and safety interlock
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