Rootmoose,
Your understanding is based probably on someone elses understanding, instead of any real world experience. Take your opinions on understanding without real world experience to JU PLEASE!
I have the Warn hubs with the 4.5 pattern. I wheel it with a lock-rite, and so does a friend of mine with the same set-up. I've had no problems running 35's and my friend runs 36 TSL's and 35 Boggers. Last weekend I hammered on it in a mud bog until I got out. No problem. I've run on the rocks, flexed to a rediculous amount, as the XJ loves to do, all with no problems from the Warn hubs. Warn wouldn't sell them if they were weak. I've used alot of Warn's stuff and it's all well built for off-road use. When I'm done wheelin' I just unlock and go. No vibes and better gas mpg's, not to mention runnin' a lock-rite up front is completely effortless on the road.
As for the rotors, I run the machined ones that Warn recommends. I haven't had any trouble with them.
My rant, and two cents all rolled into one. AND, based on my own personal experience!
Greddy