i second jeffy's last post
+1 with stock gears.  
depending what your future plans/budge are with the jeep for the budget lift or going that little extra mile.. 
if your going to plan to make this more of a off road ring your going to want min 4 inches of lift and 33's under it "future plans" 
For your main topic I would say there is no such thing as to much if it's build properly.  there is only to much if it's not done properly and can cause damage or death!! I have seen some very shady home made lifts witch left us dragging there ass the rest of the day after the first hole!!! 
thats why I recommend doing a bit more then you need of the start, and most 3-4 inch kits come with new shocks and arms and bushings witch would be all new parts!! not just a set of spacers on your old springs bushings etc.. 
I completely understand if you don't have the budget if you just want to get that little extra temperately for 31's and plan on getting a good lift later on.. 
mainly I upgrade when something wears out that way you just not replacing the worn part with factory your upgrading!! 
happy trails.. hope to see your jeep grow.