If your worried about spitting a driveshaft, you have the math backwards. Lets say you have 600 ft.lbs at the flywheel with the engine at idle, clutch engagement. If you have 12.57 low ratio, you have 7542 ft lbs into the driveshaft (assuming no losses in the transmission) if you have 20,08 low, you have 12048 ft/lbs into the drive shaft.
In most cases you'll loose traction before you stall, front wheels sink in and the drive tires don't have enough traction to move you forward. Lower gear will not help with that. once the torque exceeds grip of the tires they will spin.
Lower gears come in handy when moving heavy loads slowly, but if your tires can't grip enough, it doesn't matter. Soft ground it is all about what your tires can transmit to the soft ground.
I did heavy haul and started loads of 170K with 12.56 low gear. backing that load in a tight space, a lower gear would have been handy, but risks the driveshaft if the operator isn't careful.
Only way to increase reduction but not stress on the driveshaft is a lower rear ratio, either single speed, two speed or planetary hub. Superload prime movers use planetary hubs to lessen the strain on the driveline all the way to the hub.