Listen, I think some of you are putting too much meaning on the word "overdrive." A three-speed automatic tranny with "overdrive" and a four-speed automatic tranny are the same thing, OK? Just as a 5-speed manual can be called a four-speed with "overdrive."
Overdrive = top gear. 3+1=4, and 4+1=5. The word "overdrive" is a marketing gimmick from the '70s when 3-speed automatics ruled the U.S., and manufacturers wanted some special name to put on their new 4-speed automatics to make them sound magical and different.
The point I'm trying to make is that most cars with FIVE GEARS have better highway mileage than cars with FOUR GEARS -- no matter what you call the final gear. More gears usually equals a lower final drive ratio in the top gear, making the engine turn fewer rpms per mph and resulting in better fuel economy. The Mazda Protege's 5-speed ("4 speed with overdrive" if you must) box was geared for high revs to make for peppy acceleration with its 125-hp engine; therefore it's not as fuel efficient at highway speeds as the 4-speed (er, "3-speed with overdrive") automatic tranny.