Your 5-speed is an NV3550, the AX-15 transmission used behind the 4.0L engine was last used in the '99 Wrangler. For your NV3550 transmission and 35" tires, you'll be much (!) happier with 4.88 gearing. I ran that combination (35" tires, 4.88, 5-speed transmission, 4.0L engine) for years and it was optimal for street and trail. No, 4.88 will not produce too high of an rpm on the highway, it is just right for that big and heavy of a tire.