Umm....do some looking around on here. Seriously??? You're really looking at 29/10.50s? Dude...at least go 30s or 31s and a 3" lift. Only suggesting that because you said light to medium duty. I consider 30's or 31's a light to medium duty although as long as the driving skills are there, it's capable of more. Heck, I consider the stock XJ a light duty off-road vehicle. You just said you have $1,200....so slap some 31's and a 3" lift on there. That's plenty especially considering somebody's giving you tires even if you have to throw in $100 for the tire upgrade. After that, get some skids and go wheel and see how you like it.