I didn't catch the first time around what year XJ it is. If it's an earlier one, there may be a couple of funny little springs between the pads and the caliper brackets, and it may not be obvious how they go back together. Therefore you should disassemble only one side at a time so you have the other side as reference. Those springs were present on the 87 and absent on the 95.
In my experience, these days it doesn't make much sense to turn rotors unless they're rare or exotic. It costs nearly as much to turn them as to replace them, you have to wait, and chances are very good they'll warp when you use them. A little scoring or rust won't hurt anything anyway, and I believe most brake shops turn too aggressively, shortening rotor life. I'd assume that if your brakes aren't pulsating or chattering, and if you didn't wait until the pads were scraping metal, you don't need rotors - just do the pads. An exception might be if your Jeep has many many miles, and/or lives in a rust-prone area. Then you might need to check for thickness or incipient collapse (from rust eating away the webbing inside) even if the surfaces are good. But if you don't turn the rotors nothing will happen. Your brakes will feel as they did before. If you decide later the rotors are bad, you can replace them. You don't have to do both jobs at the same time. In fact, one of our more preformance oriented regulars here, "XJGuy," now AWOL, contended that it's better not to do them together, and that new rotors will break in better with used pads. I cannot vouch for this, though.
While you're down there it's a good time to check for other wear and damage. Look very carefully at the flexible hoses leading to the calipers. If there are any cracks in the rubber, replace them. When the pads are out is also the ideal time to check your front wheel bearings for smoothness.