i personally own a XJ and a TJ. i think they're both great daily drivers. i've taken the TJ on several trips from georgia to wisconsin with no problems.
this is my personal experience and opinion:
XJ's are cheaper to buy, but TJ's are cheaper to build/fix
XJ's have more room, but can't remove the top and doors (at least not legally in most places)
XJ's require more lift to clear equal tires. TJ's hold 31's stock w/out problems. i have 4"lift to clear 33's and my XJ needed 3" lift and still rubs 31's. that's a big bummer for me since i like big tires.
TJ's don't roll as easy as people say, but yes they are topheavier than almost anything out there. the rollover stories started with the old CJ's that were really tall from the factory and had really short axles. as the jeep progressed, the alxes got wider and so did the tires. also with the suspension redesign in 97, they became even more stable than the YJ's. i have driven my TJ extremely hard at times to where i've almost had people crying and have yet to roll it. then again i can push my XJ harder and faster than my TJ (assuming i have the front and rear swaybar hooked up).
XJ's do better at fast speed. i've had my XJ at about 110-120mph, and if felt comfortable. my TJ starts feeling really light after about 85mph. then again you shouldn't drive that fast anyway, so it shouldn't be a problem.
i do like the fact that the TJ has a full frame. i know the unibody is strong, after getting t-boned by a suburban and not having any more than body damage, i highly doubt the XJ would have survived that. i also had a girl hit me in the front passenger side. she hit dead center in the tire and only took out the axle and suspension. having been there and doing the repair myself, i think my XJ would have been totaled both times.
XJ's have a great towing capacity if that matters. i would comfortable to jet ski's behind my TJ, but anything more (snowmobiles, etc...) i would use my XJ.
so that's it. like i said, that my personal experience from owning both at the same time and still playing hard.