Definitely, think about regearing.
A few thoughts some of which have already been already been pointed out, but are repeated to show agreement and for the sack of completeness.
1. If you regear you need to do both, front and rear.
2. If You wish to re gear and can afford to do so now, this is a good time to do so.
3. If you plan to add a locker or LSD (Limited Slip Differential) to the front or or rear or both the best time to do so is when you re gear.
4. If you can not afford to re gear both front and rear ends now, try draining and refilling with clean gear oil. This may not stop wear but it will reduce it, and new oil is $10 to $50 in oil and what ever they charge you in labor, (should be less then 1 hour total). Where as new gears will be $150 for gears, plus $90 for install kit, plus labor (4 to 6 hours) and that is per end. So a re gear will be over $1000 for both front and rear. It should be noted that the numbers given for re gear are somewhat optimistic.
5. The correct gear ratio for you will depend on what you plan to do with the jeep and what transmission you have and what transmission you may plan to switch to in the future. You should be complimented for doing a good job of describing your plans for use of the jeep, but you do not mention what model or even type of transmission you have (auto or stick).
6. The Ideal gear ratio is but one part of a larger equation, that includes: Engine size and type, transmission type and ratios, transfer case ratio, tire size and last but not least expected use and expected economy verses off road ability of the jeep.
Okay, most of the above is simple enough, and seems to be coved often on internet boards but points 5 and 6 need a little additional explanation. However I need to get soem sleep tonight so I will add to this post in the morning.