you wont wish you had 5th, you will wish you had first. thats the one that is missing. the top gear in the four speed, is pretty much the same as the top gear in the 5 speed trans. its like they just took first out. fine if youre always flat out, the motor is plenty powerful, but they wont chug very well at low end. Your info is incorrect there. Look at the YZ comparision of the 03/04 to the 02 426. 3rd is identical, 4th is very close and then the 426 has the 5sp overdrive gear.