AGS final drive is 3.94. ACH is essentially the same as an AGS, with the minor difference in 4th as you note.
Personally, I'd wait for the FN, unless my trans was toast. I think it's the best of both worlds, especially if you want good highway MPG, but don't want to drastically alter driveablility at low speed/take-offs.
I'd put a late FF, or an FO/FN in every car I own, if it would just fit into the damn MK2 or 3 bodies without major mods!
Trust me, I think you'll love the FN. I really don't know why VW got away from those gear ratios and final drives.