This sounds like my 97s prob.
Typical Cherokee BS prob: Huge costs, PITA, gotta have a stealership do it.
I WISH we could just replace a fuel filter, but its an entire 'module' that includes the pump, fuel press reg, filter, etc.
But of course you have to remove the entire fuel tank, which is bad enough, but if you have the fuel tank skid it gets to be an all day project alone.
I'm about to bite the bullet and do the same...of course that's after I fix my faulty defroster (likely a vacc actuator for $250-$450), fix my cooling system probs (hopefully JUST a bad radiator), POS shocks and saggy-ass, 50's engineering leaf springs, and numerous other little factory crap that Chrysler was too chintzy to do right from the start.
Sorry, my Jeep has turned me into a broke pessimist.