I've just changed to 4.88's from stock,and It is great!!
I ran 33 for about a year then changed to 35's,and found it much better than when I ran the 33's??
BUT, MY advise would be dont drive for too long on your standard ratio's.
If you do your going to need a TRANSFER CASE and possibly a GEARBOX/CLUTCH RE-BUILD as I just had done.
It doesn't matter how you do it, sell your sole,get a loan or make the missus sell her body to get your gears done.