You won't have as much impact on power with 10.50 so as to not contributing to the need for a regear, though there will be a small noticeable decrease in performance and gas mileage. Also, you would not need aftermarket wheels or wheel spacers for the stockers. A couple of washers on your steering stops to prevent rubbing would go a long way (though you'll probably still rub mildly at full lock with the washers).
You could pull off a 2" bb and 1.25" body lift and 1" MML for probably 1100-1200 with a set of 4 33x10.50s. 1k of you are patient and shop around for deals.
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97 TJ with some stuff.