yes your correct, about the bearing, although i'm not sure if the "z" gears can be put in a regular t-5 with out the roller bearing or not.......i wasn't sure if he meant it was "z" gears or an actual t5-z......
yeah the gear ratio is 1st-2.95. 2nd-1.94, 3rd-1.34, 4th-1.00...