Gene,
Welcome! You are asking the right questions. The problem is, we're all psychos here.
I've had no less than 4 different gear combinations in my speedster, and the transaxle is on the floor getting ready to be boxed up for number 5... so, understand that the following advice is coming from somebody who is not particularly balanced. However, neither are any of my compatriots who have been spending your money since you posted your perfectly reasonable sounding query.
Switching a 4th gear and R/P is mildly spendy, but custom ratios (which is what most of "the fellas" are advocating here) is a great way to get rid of loose money that would otherwise be wasted on less useful things like food, shelter, clothing, and a 401K. Lots of us got into the habit of these cars thinking, "It's a VW bug. How much could it really cost, anyhow?" Somewhere, the devil is laughing because he so easily hooked another one. Fast forward a little bit, and we find ourselves huddled over keyboards late at night, contemplating and justifying borrowing from retirement funds to finance... a VW 4 speed.
So let's talk about what we're talking about here under the cold florescent lights of reality. A new (non-standard) main-shaft (the first and second gears) is about $1000 for parts, once you buy the idler gears and sundries. Want new 3rd and 4th gears in non-standard ratios? Figure $500 each. Bearings, etc. can run up to $500. A good transaxle-whisperer is going to want $500- $750 in labor to look deep into your transmissions soul. If you're doing all that, lets just get a new case as well.
All of the sudden, the cute little car is cooing in your ear that it would like $3000 or $4000 for a better 4-speed. It really needs this infusion of cash so that it can feel fulfilled, and make you happy. And you do want the best for your car, don't you? And to be happy? The car is whispering that it knows how to make you happy. It's really not that much money.
... of course, any 4-speed is going to be, well, a 4-speed-- which is really at least one gear short of what is really needed to make you happy. And make no mistake, you will come to feel you need a 5-speed (no matter what). The 5-speed guys are the cool kids in this high-school, what with their shiny whatnot and their cheerleader companions. They have the good hair, the nice tan, and they're all 6 feet (+) tall. They have spare money to buy stylish clothes to fit their gym-hardened physiques. Other men are envious, your own woman will swoon (and avert her eyes from you in shame). The owners themselves will always find the right gear, while you are left... wanting.
Their pooie don't stinky. They will tell you so right here. Often.
The 5-speeds in their cars are even crazier money.
Like most things in life, it's best to not try to better the 5-speed dudes with a perfect 4-speed. It is the proverbial knife in a gunfight. It's a fool's errand, and you'll hate yourself for heading down this road to start with. Let me serve as a cautionary tale. I've been dead level convinced I was going to have the perfect 4-speed 5 times in a row now. Each "improvement" has cost at least $1500 (often more), but I'm soooo close now. Just one more hit and I'll be good.
For what I've got in 4-speeds, I could've had 2 Berg 5-speeds and enough left over for some hair-plugs or a personal trainer. Or at least some time in a tanning booth.
If you for one moment think that by any amount of effort or skill you will avoid your own financial Waterloo by choosing wisely, I'm here to disabuse you of this silly fiction. Thar be Dragons thar. Transaxles are where money goes to die, alone and cold.
So, what is a new guy to do? Buy the $6000 5-speed?
Nay! Nay I say.
Tie yourself to the mast of sanity, and resist the siren song singing that you must, must, must get the perfect transaxle. Get a stock-geared 4-speed with a .89 4th and a 3.88 R/P with a 1914, or a 3.44 R/P with a 2110 (and you really do want a 2110. All the cool kids have one. You just think you want a 1914). Count your money. Congratulate yourself on being a grown-up. Take your wife on a nice vacation. Try not to look at the 5-speed guys out of the corner of your eye.
... and whatever you do, don't ever drive a Speedster with a 5-speed.
Once you are well and truly ready to let your choo-choo head around the bend forever (and really, what's a couple of more years of working at your job anyhow? Retirement money is so overrated), get the 5-speed you really "need" anyhow.
Forewarned is forearmed.
Oh, and welcome to the madness.