With swimbait reels I dont buy one based on the ratio, I buy one based on durability and functionality. If the reel I want has different ratio options, I would always go for the higher ratio (ever had a bite where you couldnt catch up to the fish to get a good hookset, or when you set you feel like during the whole fight your rod is at 1 o clock and your are constantly trying to catch up to it?) . However, we dont have that option with the standard swimbait reels such as Calcutta 400's (if we do then I havent been paying attention).

Seems you went from crappy to crappy. Go from crappy to good, and forget about the ratio! Save your money, and buy a high end reel and you will be happy.