You can never have too much brake. And the point here is that when you are putting on substantially heavier wheels and tires, and just alot more weight all around, you need to upgrade the brakes to compensate for it. The stock brakes are barely efficient enough to stop the XJ from the factory, not to mention a vehicle that you are making heavier everytime you add a part. If my XJ was a street queen with almost no modifications, it'd have upgraded brakes.
My rear axle is being put back together, so currently I just have stock brakes on my rig, the rearend of which is completely new. My brake system is 100% functional and almost all new, and I couldn't lock up the 33s if I tried. Jeep designed those brakes for a stock Cherokee, which mine is far beyond. As you upgrade parts, you have to upgrade the parts around it. Think of the Jeep as a system, everything is meant to work together. If you just upgrade some stuff, it's not going to work like it's supposed to. This isn't a knock on anyone here. But you'll notice that all of the guys who upgraded everything at the same time, aren't the ones on here asking questions about parts. They are the ones giving the advice.
And for anyone that doesn't feel like reading that. Bigger tires, better brakes, it's that simple.