I ran a set of Big O
Bigfoot A/Ts on my 2001. Got about 30,000 out of them before the vehicle was totalled; they were rated to last 40,000 miles. They were OK on mud and sand, but by about 20,000 miles they were really starting to wear - wet-weather grip wasn't the best by then.
On the current XJ, it came with a virtually brand-new set of
Michelin LTX M/Ses. They were surprisingly good off-road (not the greatest in mud, but still OK), aired down well, and even after I'd put 30,000 on them still had great grip. I'd strongly recommend them if you need something for on-road use that still performs well in the dirt.
Currently I've got a set of Goodyear
Wrangler MT/Rs on it. The stiffer sidewalls are
very much more noticeable than the Michelins, and there is a little more road noise - but not badly so. Haven't really been able to test them on the dirt yet, but having driven a Rubicon with exactly the same tires in the mud a year ago, they did fine; I'd also expect them to do OK in the sand.
Your call as to whether or not an A/T or M/T is right for you - if you can live with rapid treadwear and compromised on-road handling and noise characteristics, M/Ts should be fine. If you want something that's OK for commuting as well as weekend wheeling, A/Ts may work out better. Your call, really.