Looks like some inexpensive HID upgrade options are now on the market. One that is getting high praise over on the Rubiconownersforum.com is form a company called Skinny Pedal. $110 with your choice of color temp if you already have H4 housings. $150 with their housings. I may just have to try a set with the 4300k bulbs.
Link to the ROF thread. (probably need a login)
http://www.rubiconownersforum.com/phpbb3/viewtopic.php?f=45&t=68708&st=0&sk=t&sd=a
Link to the HID kit on Skinny Pedal.
http://skinnypedal.net/store/index.php?main_page=product_info&cPath=24_26&products_id=22
I have been running the skinny pedal setup for about 6 months or maybe a bit longer and it is by far the best thing i have done to my jeep. yes i needed to reaim my headlights, but once i did that (so i wouldnt blind the rest of the world) they have been perfect. Just this past weekend was driving through upper NY on unlit roads where there is the threat of deer jumping in front of your vehicle and having all that light at my disposal was a large step in safety.