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Forgot to mention - disks are the best way to go. But as with any modification, you have to weigh the cost with the return. If you're in the water, mud, or breaking a lot decending hills, then disk breaks will fade less, loose friction less and offer substatntially better reliability never needing to be adjusted.
All that being said however, a good set of drum brakes adjusted properly are reliable and safe.
By the way, did I understand you correctly that all TJ's are stock with disks?
[addsig]