When I see bedliner on the outside of any vehicle, the first thing I think is "What are they trying to hide?" Bedliner will cover rust, hail, lumpy, poor body work and a bunch of other sins.
If you plan on ever selling the Jeep, bedlining it will destroy it's value.
Bedliner is less likely to scratch from rubbing on tree branches but it's difficult to keep clean. If it's professionally applied, it's unlikely to peel and for that same reason, it's darn near impossible to get it off if for some reason you don't like it. The inside of the bed of my F-150 is bedlined and it never looks clean. It has a few gouges from cargo damage, but overall, it has held up well. If I were to buy another new truck, I certainly wouldn't bedline the inside of the bed. I'd install a drop in bedliner.
Not that it matters to you, but I think it's ugly. More than ugly....fugley. Your Jeep, your money, do what pleases you. Get a few bids for bedliner, a fer bids for a wrap and a few bids for a color change.
The wrap will likely end up as the most practical.
The problem with your wife wanting to change the color is if you go ahead and change the color, next year, she'll want to change it again.
My advice is to drive the Jeep with the current color and spend the money on mods. A set of wheels & tires, a lift and regearing will cost less than a quality color change..
Good Luck, L.M.