TL;DR
Using either Puma or Passenger negates this issue because they handle threads on their own. I would recommend working with the newest version of Ruby and Rails possible as this will minimize the upgrade work you need to do when upgrading your app.
Here is a wonderful article which addresses your issue.
To summarize.
Puma is multithreaded-only. The open source variant of Phusion Passenger is multi-process single-threaded. The Enterprise variant can be configured to be either single-threaded or multithreaded.
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Both Puma and Phusion Passenger Enterprise can be hybrid multi-process multi-threaded. That is, running multiple multithreaded processes. Hybrid mode allows Ruby and Python, which despite having a Global Interpreter Lock, to fully utilize all CPU cores.[1] In Puma, the hybrid mode is called "clustered". [1] Only the case on MRI, not on JRuby and Rubinius. JRuby and Rubinius fully support multi-core threads in a single process.
In other words, both Puma and Passenger are able to treat any Ruby implementation as multi threaded. They do this by using a hybrid between multiple processes and multiple threads. This is only minimally heavier than simple multi-threading.
To be honest, I don't think this is an issue you need to worry about at this time. Wait to see how your server handles the site's traffic.