If it's a Florida Cherokee it should have zero rust. OBD II was US standard in 96 but some late year 95s were made OBD 2. I honestly have no clue if Jeep ever did this but I have reason to believe they did not and your 95 4.0 is OBD I which means the swap would not be as cut-and-dry as you might think.
99 XJ Sport - 4.0, AX15, NP231 (Current)
98 XJ Classic - 4.0, AW4, NP231 (Former)