Yes, a 4 inch lift is harder to get in and out of for an older guy. At least I assume your older as you just want to "cruise". My rough country 4inch measures more of a 5 inch and with boots, coats and winter gear on, getting in and out to pull cars out of the snow banks, its a real negative. 2.5 lift for what you are doing with it will make it match the tire size in my opinion, and what I wished I did with mine. the smaller the lift, the better street manners it will have.
Stability: while going 50 mph, I swerved once to see what it would do, there was a moment there where I thought the end was near. When my Son uses the Jeep, I tell him every time. Drive strait, and plan on hitting WHATEVER it is if you can't stop. Hope that gives you some insight.
Axles: when I removed my two piece they were in great condition. For cruising in town, there is no need to change to one piece, except if your having to change the bearing seal. Then its just s a good time and fun project to upgrade. And your seal will leak eventually.
Narrow trac. 12.5 tires will be close to your body. Even rub in turns unless you get rims with back spacing or spacers. I have narrow trac, stock rims, 33 by 12.5 and it looked goofy intill I add spacers. 2 inch or more, but then they have their own issues in using them. Consider new rims with your tires.
Gear ratios: I have the
AMC 258 i6 / 4.2l in great condition with 48k on it. On the highway with the lift, 33 by 12.5, and all, I maxed out at 55mph, uphill 40 mph. On a windy day, I took the car. That was with stock 2.56 gear ratio. Awful! Rear and front ratio you might consider changing to 3.91 or so. Google gear ratio charts. I put in 4.56 and it Max's out at 60mph screaming. But it's killer perfect for off road!
Ok, last item, with any lift your steering needs to be tight. Ball joint to the steering wheel. You want to spend some time on your Jeep? , consider new ball joints, steering knuckles, if they are not in excellent condition, and a steering shaft mod as the stock coupler will erode and cause play. When you lift your Jeep, expessially to 4 inch, any issues here will be augmented, and you'll find it wanders, bump steers, and drives squilry,
Drive it, enjoy what you have, heads will turn, its a CJ.
Thanks.