I have a 96 2.5 XJ.
4.88's (don't even bother with 4.56's, the jump from the factory 4:10's just isn't worth the cash outlay)
31's
I travel 700 miles, all interstate all over the southeast and back home to the mtn's of NC every week for work. I get 17.5 - 18 mpg's. That's at a gps cert 68 mph at 3,200 rpms. I only have to downshift on uphills step enough to have a 3rd truck lane and even then only if I want to keep it over 60mph. I could come up those at 55-58mph without downshifting. On the rest of the hills or mtns I can hold 68 or even pass without downshifting. I've owned several 4.0's and would probably have another one I just found this 2-door, 5-speed 2.5 for a good price and couldn't resist. In my opinon most folks are scared to rev them. They make power right around 3,000 rpms and will cruise there for days on end. I have a background in older 4 cyl Nissan and Toyota 4x4's and it feels similarly powered. With the 4.88's it's pretty dang stout for a 4cyl. I'm not trying to sell them over a 4.0, given the choice I'd take the 4.0 every single time. But if I found a good price on a well cared for 2.5, I wouldn't turn it down, they are good motors and will last as long or longer than the 4.0 which is practically forever.