To start with you say this is mostly used for offroad/ some town trips... but, you plan to run a Transfer Case drop?
I honestly dont see the point of lifting the jeep if you're going to drop the transfer case skid down like a shovel. I mean w/ the cost associated with a H&T SYE (90.00) and running a stock XJ front shaft out back (75.00) It just doesnt make any sense to not go ahead and get it done.
Also what axle do you have out back.. D35, 27sp 8.25, 29sp 8.25? I ask because if you are only trail riding this jeep and if it has a decent rear axle just weld it up and save yourself the 225.00 for the lockright (SYE money?)
I also dont see any reason to spend the money to upgrade to rear discs on a XJ running 31's or so. BUT if you must, stay away from the Teraflex kit (search NAXJA for reasons why)... I have also heard that TSM Mfg.
http://www.tsmmfg.com/
makes a nice kit and that's what I plan to go w/ eventually.
Oh, and there isnt a magic number of rear lift height where a SYE is needed. Every jeep responds differently. When we installed Woodkrawler's RE3.5" on his old jeep (92 I believe) he had vibes/binding so bad that it was undrivable w/o a tcase drop or sye. But, you may put on your lift and not even need the drop... you wont know until you try.
Also if you plan to wheel this thing think about some skids. Especially front diff, and transfer case. Also JKS makes some weld on lower control arms skids that are really nice.
As for my moabs... they are currently mounted w/ 285x75x16 Firestone Destinatino MT's...