Have you considered dropping the stock wheels and buying 16" wheels? They are cheaper than the 17" wheels and the meats are cheaper for them as well. You might consider getting that set up and the TF leveling kit untill you gather the funds for a real lift if it came down to it.
My best advice for you would to be to call Jason at Krawl Off-Road, he can help you innumerably in your desicion and will definitely find you something that will meet your financial constraints.
315/70R17 - $271/ea at disscount tire (I don't know the KOR price for these
315/75R16 - $262.10 Shipped from KOR (this is what I bought)
Plus, with the 16" wheel route, the actual wheels themselves are cheaper. Like I said, give Jason a shout and he will hook you up with all the knowledge you could ever need.
Also you wouldn't HAVE to regear... that being said, it would be more sluggish and go in and out of OD a lot, and would definitely be more advisable to regear.