You should go over to naxja.org to research this if you haven't already. Any question you could conceivable ask about an XJ has been answered over there already.But don't take that the wrong way - if you are looking for pointers to cut the cruft of searching through noise over there ask here first so we can set you into the right direction for searching quickly.
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I am a member over on naxja, but I trust the responses here a little more. Naxja seems to have a lot of younger members that share their opinion without real knowledge.
I go to the junkyard every few months and am was able to find 4.10s in cherokees on a couple occassions, but they either were missing parts or were the dana 35 rears.
I'll probably stick with my 8.25 and get ZJ rear disks. I hate to put too much money in it, because of the high mileage and cars don't last too long with the salt on the roads. It still is pretty tough to replace for what I have in it.
Thanks,
Troy