I have three different 4Xs.
An early Bronco, 85' Toyota S/B, and of course a 96' XJ.
The Bronco is locked at both ends and it'll go anywhere I can physicaly fit it (even forced it into a couple of spots it didn't) but, sometimes I absolutely hate having a front locker, like on tight trails where it really isn't required, especially going downhill with most of the weight on the front wheels (.....doesn't steer) to well or on icy pavement.
My Toyota is also locked at both ends but, the front is selectable (transplanted Tacoma e-locker) and what a difference that makes!
I hardly ever turn the thing on.....only when it's absolutely necessary (that's why my stock front birfields have lasted this long...knock on wood!) but, I wheel the piss out of it as some of the guys on this board that have wheeled with me can attest......hi, guys!
The XJ is finally getting built (been gathering up parts for the last 5 yrs) it too is getting lockers....a Powertrax (been sitting in my closet for about 2 years) in the D44 rear and an ARB (picked it up used for really cheap) up front.
So, what I'm saying is, if you were to run just one locker.....I'd put it in back and later when you can afford it, add a selectable up front.......your front axle joints will thank you.
With the XJ lacking locking hubs up front, you will constantly hear that annoying ratcheting rounding corners when running an automatic locker and your steering control will be seriously diminished in icy road driving conditions.
When I can afford it, my Bronco's getting a selectable as well.......just my 2 cents
----------Hans