Maintaining good street and foul weather driving manners are reasons to buy a selectable locker, and if the XJ is the daily driver and you see these conditions at speed, then it's probably worth the cost. If it's not the daily driver, and you are not a foul weather speed racer, the expense may be better spent elsewhere.
For the price of a selectable front locker and the electronics or air system, you can install an EZ (Lock-Rite, or other bolt-in locker) and save the difference for a 2Lo kit (or an Atlas). The places where you need to open the front differential are places where 2Lo is all that is needed (unless you are bombing a snow rally, where a torsen or true-trac works better).
The rear axle is where a selectable locker is nice if you travel twisty icy roads at speed, to keep the rear from swapping ends or kicking out. Many people also like to be able to open the rear diff to maintain a nice street ride (they cannot get used to the minor lane change rear steer feel of a true locker). Street manners are probably the only reason (IMO) to choose a selectable locker in the rear axle.
The XJ is not a short oxcart buggy with loose leaf bushings like a CJ5, one that will swap ends on the freeway with a locker and minor throttle changes. I would drive a fully locked XJ, on (2wd) and off-road (2wd/4wd) to see how it feels, before dumping the budget into selectable lockers.