Unless your wheeling where you need to do a front or rear dig, disengaging one axle from the other should not be a concern on someone who is new to wheeling.
I am going to give you the best advice that will ever receive regarding offroading, building a rig, and overall safety...
Build your rig as your knowledge and skills advance.
If blasting down a dirt road with maybe a mud hole or two is what your honest wheeling experience is... 37" tires should not even be the bench mark you are aiming for. Don't be a lemming and buying into you need this or that to be bad ass. If your jeep is stock (close to) as you are aluding too, I suggest getting some rocker guards and skid plates and go wheeling, when you identify a short coming, work on imporoving your skill set first, if after a couple of times you still find the same short coming, then look to improving you rig. for example, you have rockers and skids, not add a lunch box locker to the front.. then maybe one to the rear. these are not expensive upgrades in teh grand scheme of things, maybe a couple hundred bucks. install them your self, learn how your differentials work, assembal, disassembal. that way if and when you break something on the trail, you have the knowledge to swap a part instead of being the guy who snaps an axle and no idea how to fix it... No one likes that person because you will slow everyone else down and shorten their day.
I will wager that if you built a billy bad arse rig from day one and went out and wheeled it either
1. you will be board out of your mind because you probably built something way beyond your local trails, and there is no fun in that
2. you will look like an idiot because you will have this bad arse rig and no confidence to use it as it should be. (confidence does not equal stupidity)
Offroading is about 80% driver skill and 20% vehicle capability. If that wasn't trrue, anyone could win RCROCS or Ultra 4 or KOH
