I'll second that the factory system is fine when of the parts are working properly. Typically, when people have overheating issues on XJ's, it's one of three things:
1. They drive like they're in a TV commercial and the radiator and condensor are plugged with mud from splashing through puddles and mud holes. A radiator won't cool your XJ if it's full of mud. A blocked condenser is just as bad as a blocked radiator. Even just a heavy load of bugs and grass seeds and bent fins in the condenser will make the system struggle. Remove the radiator and wash both the radiator and condenser out from the back side if you can't easily see a flashlight shined through from the engine side. Replace the condenser if it's all smashed shut from 250k miles worth of bug encounters...
2. The mechanical fan clutch is out and not engaging when it should. Replace it.
3. The electric fan is seized or otherwise not working. Fix it. (Usually, the fan is good, and the wiring has issues, but with XJ's getting on in years, you're likely to see bad fans now too...)
BOTH fans need to be working for the XJ to cool properly when the A/C is running or you're working the Jeep, and especially for both at the same time!!
I've used several of the aftermarket brands of factory style radiators with no issues, but I do try to use Spectra radiators when possible just because they're a big name. (Sourced from RockAuto.com most of the time) I have not yet had an all aluminum radiator that lasted more than a year or so before springing some sort of leak or weep, but both of the ones I used were ebay or amazon sourced (cheap china versions). If you bought a really $$$ one, I should think it would last, but I still don't see the point when the factory system works pretty well as designed... If your experience has been otherwise, you probably need to visit my 1-2-3 list again...