OK guys, I don't have a dog in this fight, since my XJ is auto, but I'll jump in anyway. The GL4 and GL5 both have EP additives (usually sulphur and phosphorus, sometimes boron). The GL5 has about double the amount of the GL4. The sulphur/phosporus will harm yellow metals, but only if heated to an extreme temperature. GL5's are used in diffs because of the 90* power transfer, which requires more EP additives. Transmissions' power is transferred straight through, so a GL4 is adequate for them. (I would not use any oil, rating under a GL4.)
I went through this dilemma a couple years ago when I changed trans oil in my Bronco. I contacted a Coastal rep and he told me that Coastal uses a "buffering" additive that makes their GL5 safe for yellow metals. I understand that all the major suppliers also do this, so any of today's oils are safe to use. That's why a single oil can be specified GL3, 4, and 5, and be backward compatible to meet all of the requirements of each spec.
I wound up using Coastal 75W-90 (GL3,4,and 5) in the Bronco transmission. I like having to only stock one gear oil for all the diffs and the transmission.....