what's important to ya'? (very long)
At this point, the big question for yourself should be "what's important to me"?
I went through the same 'mental chess' when deciding on what to do on my FJ60. All the feedback in this thread is similar to what I've read in the past when researching lockers and pretty honest.
I DO have to add, - when my front is locked up, it does not like to turn...if it's a DD don't just do the front, do the rear only, then add front later or whatever. IIRC, the recommended wiring for my ARB's is to set it up not allow the front to lock unless the rear already is. I'll take their word for it. I couldn't imagine driving down a snowy pass in 4wd and having the front lock up or get squirrelly on me.
Here's what it came down to for me, in no particular order:
1. Mine is a DD, too, and will be for a while. Feedback on non-selectable lockers is that although not a big deal, sometimes there's a "bang" or rachtet sound when taking corners, etc. And you just adjust your driving habits a little bit. No biggie, but I didn't want that - just personal preference.
2. I live in CO, and drive on snowy roads - on road manners are important to me. Feedback on driving with lockers on snowy roads is that, yes, it can be a little trickier - and you just have to be aware of it. And the reality is, just respect the weather, road conditions and your vehicle, and you'll be fine. To me, the physics also makes sense on why the vehicle would have a greater tendancy to slide/slip on snowy roads when locked. And, so, even though I'm sure I wouldn't have any issues...I'm used to driving an open-diff in the snow - I mean, who likes change, anyway? Stick to what I know.
3. The more I thought about it, I thought it would be nice to have an on-board compressor to air-up tires, etc... (I should have done more research on that part). But still, it's important to me.
(Can you see where this is going?)
4. I have time on my side - it runs fine, and I just drive it and wheel it on the weekends. I can still have loads of fun with open diffs. I said to myself, "self. be patient."
All that meant the ARB's made the most sense for me and I did front and rear (see #4 above) - I know that goes against your original post ($$$$$) But I was right where you are..... So, I saved and saved $$, collected parts for what seemed like forever (like two years) always shopping sales, etc...and in the end, what started as just a rear ARB locker, turned into...well, alot more, but you can PM me if you want to discuss all that. Hence the two years of parts collecting, but as of a couple months ago it's all in... I'm very pleased with what I ended up with.
So, all that rambling is meant to convey - try to figure out what's most important to you for now, and in the longer run and think it through.
HTH (if you're not asleep from reading the post)