I have a 4 cyl in my 97 TJ and has worked great. Yes, it does struggle on the freeway since I put 33 inch tires on it but I don't drive on the freeway much so its okay. If its flat I can use 5th gear, if its not, I use 4th gear. If I drove it on the freeway more, I would put 4:88s in it and it would be fine. The effect of bigger tires is a higher gear ratio. Most of the 4 cyl came with 4:10 gear ration while the 6 cyl came with several different ratios. The key to any jeep using bigger wheels is the gearing. Bigger tires changes how a vehicle runs. My brother has a 99 TJ with a 6 cyl and 3:07 gears in it and when he went to 33s he wasnt able to keep it in 5th gear on the freeway so he put 4:88s in it and now he can.
My TJ is very capable off road and once I put it in low range, it will pretty much go anywhere I want it to go. I go to Moab with friends that have 6 cyls and they can't go anywhere I can't. There really isn't any difference in gas mileage. Would I rather have a 6 cyl? Yeah, probably. Would I buy this same jeep again? Yeah, I would because the price was right and I wanted to get into jeeping and didn't want to spend a ton of money until I knew I would enjoy it. My opionion is to go with a 97 or newer so you can get the coil suspension and if you can get a good deal on the 6 cyl, get it, if not and your not spending a lot of time on the freeway then get the 4 cyl. I have enjoyed it so much I am going to buy a new 4 door but I don't know if I want to part with my TJ yet. Can you have too many jeeps? If its not your main driver, buy what you can afford. If it is your daily driver, get the 6 cyl.