Don't overlook many of the real world variables that gearing calculators don't factor in:
Added wind resistance by lifting vehicle/roof rack/overhead cargo
Added rolling resistance of larger tires/increased contact patch
Added weight of non-stock bumpers, sliders, skids, armor, unibody plating, cargo, winch
Elevation and terrain where you commonly operate your rig. The engine will make more power below 3000ft than above 6000ft.
Peak power range of the 4.0L engine
Over the past 25 years, I've run XJ's with both 4:56's and 4:88's in rigs with 5-6" of lift and measured 33" tall tires, at elevations from 4000 to 10,000ft but most driving in the 4-5000ft range.
4:56's left the rig feeling underpowered and when cruising the AW4 would hunt between 3-4th gear at the slightest elevation change (overpasses, headwinds, etc) which builds heat in the transmission and burns extra fuel.
4:88's have been the perfect fit and I've run this gearing/tire combo since 2007. RPMs at 65mph are in the range you are looking for and the transmission is happy. Low end power is great and in 16 years, I've never once wished for taller gears. I often have the cruise control set at 75mph turning about 2850rpm and the 236k mile 4.0L hums along just fine, averaging 15mpg freeway at that rpm.