By the book you are overgeared. You actual speed will be slower than the speedo shows.
315's should get 4.56, 37's 4.88 in order to be close to stock specs. Again, by the book.
In real life, mane people prefer to be overgeared with 315's @ 4.88
For example I am on 285 with stock gears, that translates into being slightly in overdrive with my real speed being higher than what the speedo shows (by only 3MPH, it would go slightly higher from there on 315's).
As others stated, phone GPS, or a navigation system with GPS speed info should help you until you get the idea and the feel of your speed.
On my DD (non Toyota) I know by how much the speedo is off (as set by the factory, most newer cars do it for "safety" purposes). It always shows a higher speed than in reality and it gives you the feeling you are flying on the freeway, when in fact you are going at the speed limit.
I am sure there is an agreement here between US and manufacturers.
I do have an app on my phone which can code all sorts of parameters, but it does not allow US cars to have their speed altered. European cars can do it, but not USDM. There is a way to do it, as some hackers found out, but I really don't care, I know the real speed since I know how many MPH to add at any given speed.