OK Curt, brace yourself.........
It's a fairly well know fact that regearing charts lie. Having said that I will explain.
When you regear your rig, it's usually because you've installed bigger tires, in conjunction with a bigger lift, which usually means that you're planning on using your rig offroad so you've installed rocker protection, skidplating, HD front and rear bumpers and even a winch? Not to mention a roof rack, full size spare, HiLift, recovery gear, spare axle shafts, tools, etc.
What the charts can't tell you, is what the effects of all this increased weight, added wind and rolling resistance of larger tires, increased wind resistance of a taller rig, power loss due to altitude changes, poor mileage due to power loss, and most importantly, the actual power applied to the ground.
This stuff is learned through trial and error.......and since you have such a large collection of experienced XJers here at your disposal, many of us have been through both the trial and the error

(the smart ones learned from someone elses mistakes

) when it comes to regearing a rig.
Here's the lowdown.
With a 3:07 stock ratio, you must have a 5 speed. And I'll assume you have a 4.0 motor of some flavor, HO or non-HO and you live near sea level elevation.
To run 33's, the optimum ratio that you'll need to run is 4:56. You could get by with 4:10's, but if you live or travel at an altitude of 3000-6000 ft, 4:10's may hurt your mileage and performance. Don't worry about the increased RPM at cruising speeds, the 4.0 motor can run all day at 2800-3000 rpms, it's right in the middle of the power range, and will actually use less fuel because it is working more efficiently.
Bottom line is, trust the advice of your fellow XJers that have been there...done that, over a gear chart or some guy at a parts house that won't mind selling you another set of even lower gears next year.
Does this mean you'll need new carriers? Yes. Should you consider installing a traction device in conjunction with the re-gear? Yes.
Oh yah........did I mention that I've been through 3 gear ratio changes in 6 years before winding up with the perfect setup? A swap from a 5 speed to an auto required the last one, but this way......you only need to do it once.
WOW, look at all the time and money you just saved!
