I'm at 3.5/5 (front/rear) with stock control arms, stock track bar, stock shocks in the front... did coils, leafs, shackles, and rear shocks (to compensate for the rebuilt rear shock crossmember I built.) The shocks are acting as limiting straps but it's a beater and I haven't found the time to care, since I haven't gotten stuck yet and will be buying new shocks for the next XJ anyways. I carry spare control arms, but haven't broken/significantly bent any yet.
No rear bumpstops (they rusted off and again, don't care, next build will be properly bumpstopped) and stock front bumpstops... I just cut/BFH-massaged the fenders to clear.
You really do want to use extended brake lines though, broken brake lines are kinda scary / death-inducing.
However, if you can't afford to lift it you probably shouldn't. Trail breaks and the ensuing repairs get expensive and budget lifting is asking for breaks.