^- This. If you don't want to trim, you either need to lift/ bumpstop a lot, and still run the risk of running into the flares. The higher you lift, the more work needs to be done on the steering & suspension to make it work properly.
If you want any uptravel and keep the XJ at anywhere near a reasonable lift height (in my world, LCOG is the way to go) pretty much any tire exceeding 31" will require trimming. You can fairly easily fit 33s on 3" lift, 35s require a bit of sheetmetal work to do it right. Bumpstopping at any lift height is required anyways.
To put it other way, you don't need to lift any higher than 3"; whack in the pinchwelds in the front wheel arches and trim along the fender flare outer edge; cut 'n fold in the rear. If you want a factory look, there are quite a few companies making good- looking fender flares these days that cover a 33 x 12.50 tire.
1998 Grand Cherokee 5.9 LX daily driver, 1.75" BB, 32" KM2s, HPD30 Eaton e-locker/D44a stock LSD, 4.56 gears, custom- fabbed tube bumpers and tube fenders,...
1990 XJ Limited (4-door), 4.0 I6, AW4, NP242, ***rolled and totalled @ 165k miles***
1990 XJ (4-door), 4.0 I6, AW4, NP242, PBR 42" tires, Unimog 404 portal axles, 110" WB, full cage + uniframe completely rebuilt, front 3-link + panhard / double triangulated 4-link rear,... ***SOLD***