You guys are correct about 33's. My 99 had a 4" suspension and 33's and was very capable. A jeep with 33's can go most of the places mine will with 35's, but they are more susceptible to bent tie rods, dented diff covers, swiss cheese rocker panels, worse approach/departure angles, etc. Bigger is better, but definitely costs more. The bigger the tire, the smaller the rocks, right?
I recommend 4" with 33's for the budget minded Jeeper that wants a happy medium setup that isn't a pain to convince a date to climb into. They always ask, "How do I get in?" That's my strategy though. No fat chicks.