http://lightfootxj.webs.com/index.htm
not the easiest thing to read, but its gives a good idea of what your rpms will be with different tire sizes/ gears. Its not totally accurate because your actual tire diameter will be a little different than the advertised size. You get to decide what you think is too high. Under 3k at 80mph doesnt really seem that bad. Its not like youll be turning 5k at 65. Your highway mileage might not be great, but I doubt it will be that bad.
As far as it being bad for the motor, jeep speed guys turn 3500 all day without a problem. Its not a very well guarded secret that the 4.0 likes to spin.
IMO turning 3k-3200, really isnt hell. My motor is smooth enough, and exhaust quiet enough that I can turn those numbers on the highway, and forget to put it in a higher gear. Before I had a tach, I did half of nebraska that way before I noticed. Got about 15mpg.
Gears arent cheap. If you plan to run bigger tires within the next year, go for it. Just expect your fuel bill to go up.
The other option is to find some junk yard axles, either let your bearings run for a year ( if they can), and build your axles out of the jeep, or if they are real bad, put in the junk yard axles, and build yours up for when you get new tires. No sense in setting up old gears with new bearings If youll have to do it again.
The OP asked for peoples opinions. Its a good idea to make sure people actually agree with you before you shoot down someone elses opinion like that, or you end up looking like the clown.
Just my .02 cents
The opinions are great so start here
http://www.naxja.org/forum/showthread.php?t=46901&highlight=gearing then search the other 100 threads a week everywhere on it. Then go here
http://www.naxja.org/forum/showthread.php?t=95375&highlight=axle+gear+chart
The facts are the facts that page sucks for even a clown to read, so read it like this its alot simpler...
RPM's at 65 MPH/105 KPH w/ 3.55:1 axle gears running 28's: 2,076 RPM
RPM's at 65 MPH/105 KPH w/ 3.55:1 axle gears running 30's: 1,938 RPM
RPM's at 65 MPH/105 KPH w/ 3.55:1 axle gears running 31's: 1,876 RPM
RPM's at 65 MPH/105 KPH w/ 3.55:1 axle gears running 32's: 1,817 RPM
RPM's at 65 MPH/105 KPH w/ 3.55:1 axle gears running 33's: 1,762 RPM
RPM's at 65 MPH/105 KPH w/ 3.55:1 axle gears running 35's: 1,661 RPM
RPM's at 65 MPH/105 KPH w/ 4.10:1 axle gears running 28's: 2,398 RPM
RPM's at 65 MPH/105 KPH w/ 4.10:1 axle gears running 30's: 2,238 RPM
RPM's at 65 MPH/105 KPH w/ 4.10:1 axle gears running 31's: 2,166 RPM
RPM's at 65 MPH/105 KPH w/ 4.10:1 axle gears running 32's: 2,099 RPM
RPM's at 65 MPH/105 KPH w/ 4.10:1 axle gears running 33's: 2,035 RPM
RPM's at 65 MPH/105 KPH w/ 4.10:1 axle gears running 35's: 1,919 RPM
RPM's at 65 MPH/105 KPH w/ 4.56:1 axle gears running 28's: 2,668 RPM
RPM's at 65 MPH/105 KPH w/ 4.56:1 axle gears running 30's: 2,490 RPM
RPM's at 65 MPH/105 KPH w/ 4.56:1 axle gears running 31's: 2,409 RPM
RPM's at 65 MPH/105 KPH w/ 4.56:1 axle gears running 32's: 2,334 RPM
RPM's at 65 MPH/105 KPH w/ 4.56:1 axle gears running 33's: 2,263 RPM
RPM's at 65 MPH/105 KPH w/ 4.56:1 axle gears running 35's: 2,134 RPM
RPM's at 65 MPH/105 KPH w/ 4.88:1 axle gears running 28's: 2,855 RPM
RPM's at 65 MPH/105 KPH w/ 4.88:1 axle gears running 30's: 2,664 RPM
RPM's at 65 MPH/105 KPH w/ 4.88:1 axle gears running 31's: 2,579 RPM
RPM's at 65 MPH/105 KPH w/ 4.88:1 axle gears running 32's: 2,498 RPM
RPM's at 65 MPH/105 KPH w/ 4.88:1 axle gears running 33's: 2,422 RPM
RPM's at 65 MPH/105 KPH w/ 4.88:1 axle gears running 35's: 2,284 RPM