I think it also depends on your terrain. Elevation, hills etc.
I've got that exact setup in the 2013 model. Ordered it with the 4.10 option because I was planning on running 35's. It's an ok gearing for 35's but in stock form but with no programmer to bump things up, there really isn't a ton of passing power. Don't get me wrong it's totally doable. But if I was to do it again I wouldn't check that option and I'd save the dough for a re-gear when the 35's went on. I can't remember what the option costs but I've seen re-gear specials here on the west coast for about 1k.
I also live at 4,200 ft with nothing but hills and short passing zones on two lane mountain roads. I'm am planning to re-gear my jku when I bump to 37's. I'm also probably on the heavier side of things with a hard top, steel bumpers front and rear with a winch on the front and full size 35 spare on the rear.
Hope this helps with your decision