My best guesstimation:
Window sticker (and it should have axle ratio... if it doesn't, weird.) calls your car Dodge Charger R/T RWD... you have the 2.65 gears. If it says Dodge Charger R/T Plus, you have the 3.06 rear axle ratio. I believe the R&T's have 3.06 regardless.
The rear axle ratio is actually a GEAR (set of gears)... it can be changed PHYSICALLY, and you need to also change the software via starscan or predator.
Is it worth changing:
Depends on what you want out of the car.
2.65 = high gears, (low numerically) a.k.a. airplane gears, your car has a very high top end speed, but it will take you forever to get there. You will have better gas mileage, but less acceleration.
3.06 = medium gears, good all around gearing. better acceleration, poorer gas economy.
4.10 = low gearing poor fuel economy, lower top speed, but it will get you there FAST!!! Good for drag racing.
I have the 2.65 gears. I can achieve 30MPG straight highway... around town, I get 22MPG. I have a CAI, exhaust and a tuner... I run low 13's at the track. I am pretty happy with my gearing.
I would like to have the 3.06... for the track, just to see what it would do.
Even with the 2.65 gears, this is an impressive ride. It will throw you back in your seat, drag racing buddies with old school muscle cars have been impressed riding in it. I can break the tires loose going straight at 20MPH on smooth pavement/concrete by punching it in first.
Does the predator take advantage of VVT? IDK.... good question!