Don't waste money on the d35. Many here can tell you personal stories. You'll end up spending the money twice (or more), because if you wheel you will eventually replace the d35.. Spend the money on an 8.8. I have a Detriot in my 8.8 and it does not cause me any problems on the road. Yes, if you get on and off the gas fast while going down the hwy you'll feel the back end wiggle a little. You learn to avoid doing that, and it's a Jeep, not a sports car.
If you are set on a selectable, I don't think you can go wrong with either the ARB or OX. There are people here that have each, and can provide a more educated response. Just DO NOT lock the d35.
Affordable Care Act is here, like it or not. Questions on requirements, options, insurance providers? I'm an independent agent and adviser.