I have a 95 4 cylinder, 31 in tires, 2.5 in lift, with hardtop, softtop, and the bikini/windjammer/tonnue cover.
It als has a brand new JB Conversions heavy duty transfer case, with the super short SYE kit. New Fuel pump and an assortment of other new parts I've installed recently.
Gets about 18 miles to the gallon if you keep the tires inflated properly and don't go over 60 mph, otherwise 13-16 mpg for a truer average.
If you were closer to MO, I'd offer to sell it to you, since I just bought a new Mustang last November.
Jeeps are fun fun fun. But, I would also recommend getting the 6 cylinder, unless you really enjoy never passing anyone. And, really, you should look for a newer vehicle if you're shopping. Get a 2K TJ instead. YJs are now a minimum of 11 years old. They'll have lots of miles on them, have probably been off-roaded, and probably need some work.