I was in your position 2 years ago, with the same money constraints and what not this is what i did (keep in mind i have a TJ, little bit more expensive)
I went with the tad bit expensive suspension system simply because i realized one thing, tire's wear out, lifts tend to last a while. Your stuck with a system for the longer period of time than you are with the tires.
So i went a tad bit smaller with 31's and went with the better suspension lift. Havent looked back, you gotta figure also that
things will bust so dont forget that.
With the 31 you get managable power losses, plus your gass mileage will be better of than with the 33s.
Also that two inches seems to be negliable offroading wise. I had a friend with the 5.5 RE LA and 2 inch blocks with 33s and the 4.0 (cherokee) and i was able to do things he did, albeit with a much more technical line than him.
Rember, experience can always compensate for lack of equipment.