You can put disconnects on a stock jeep. A Ruby is stock and they come with electronic disconnects.
And its beneficial for any jeep when offroading whether it is stock or lifted. I disconnect mine and I have a stock 09 JKU.
Do some research on exactly what happens when the sway bar is disconnected and you will understand the point of them. Also, once you understand it, you will easily be able to answer most questions you have about disconnects. Look up "Jeep flexing" too! You will get a kick out of that. :P
One last thing, the source that told you, you need a lift... never listen to them again. Ever.