Except for looks and access to the back seat, the difference between a 2dr, or 4dr XJ is negligible in everything you asked about.
The difference between an XJ and an MJ (I would guess) might vary by the wheel base, but that too was negligible to me.
I've had two 2 door XJ's (94/99), several 4 doors, and both long and short wheel base MJ's in 2wd and 4wd.
Only my current XJ has had any kind of lift and quite honestly, I drive/drove them all like cars. Buy one of each. Be happy.
My x-wife got my 94 Cherokee Chief (I got the payments) and an