I have been typically all cool with the illegal spots but I am growing up and trying to avoid the shady stuff!
Its like we used to say in drag racing... "speed costs money how fast do you wanna go?" Lots of good 4x4 shops here in the Metro. Check out "Iron Rock Off Road" down in Shakopee They have a few nice kits for XJ's, they work well and are very competitively priced. Also "Off Road Only" here in StPaul does some nice stuff too.
The tech is easy to pass, just check your battery tie down (pick up a $4 one at walmart if you need one), and tow point kits can be bought online for less than $150 front and rear. Is the XJ your daily driver?