... crashing into someone (a regular ole' accident) must be considered.
This is a big part of my reasoning for not putting in a cage (even though i've flogged my xj pretty much to the point of no return - so much so that everything is going into a new shell in a month or so). It worries me every time I see a cage in a daily driver, even more when it hangs below the window openings.
As much as I think I'm going to get arguments for saying this, I'm going to say it anyway - If you are going to cage your rig, you probably shouldn't be driving it every day.
The odds are not in your favor safety wise. As far as i know harnesses are not DOT approved replacements for OEM seatbelts (I know people who've gotten tickets for wearing them on the street - I presume because there is no certification to ensure that they are indeed safely mounted), and a standard shoulder & lap belt isn't going to keep you secured well enough in a highway crash to keep you away from the bars of a full roll cage. Along with that, as "XJ Buddy" hinted at, by stiffening up the unibody of the XJ you are changing the force that is going to be applied to your body in an accident. Don't believe me? Punch the sidewalk in front of your house, then punch a piece of plywood ontop of a couple beer cans sitting on that same sidewalk and tell me which hurts more. Vehicles are designed to crush upon impact to help lessen the blow on the occupants. By installing a proper cage without the added safety additions like a full harness, you are putting yourself at a greater risk of being injured in a minor collision on the highway.
Cage your XJ, you need proper restraints.
Get proper restraints, you need something to keep from snapping your neck when some idiot pulls out in front of you or rear ends you doing 40mph.
Having a cage does not equal being safe, just safer if you happen to roll over hard. And even then if you are wheeling hard enough to flop hard and crush the unibody enough to put you in harms way, then you should be caged, and in a harness. If you wheel your XJ hard enough to need a cage and a harness, at the very least only drive it to and from the trails (or trailer it - even better) and buy a new daily driver.
Just my oppinions here, but seriously, think before you jump into something like this for your daily. Also be aware that a simple cage to keep you safe in a hard flop while crawling is much much different than what you are going to have to deal with if you hit a bump wrong and go tumbling in every direction at 70+ mph in the desert.