In over 200,000 miles of XJ ownership, I have tried and replaced several fan clutches, including a ZJ clutch. There is a big difference between the stock and ZJ.
The Napa ZJ clutch was always slightly engaged and could be heard, even when it was cold. It did a great job of puling air through the coolers but, over a 75 mile daily commute, I lost a little over one MPG due to the constant engagement .
On winter mornings in the mountains, it would never come up to its normal operating temp, the fan was engaging slightly in below freeing temps.
This clutch may have been more aggressive than others but I have heard similar from other XJ owners over the years
IMO, it's the perfect clutch for a mostly trail machine, as long as you can provide the extra clearance needed between the clutch and radiator.
I modded the radiator mounts to push the radiator forward a half inch, it was too close for comfort.
If it wasn't such a pain to change clutches, I would put it in for summertime wheeling, removing it in the fall.
The stock fan clutches's seems vary in when and how much they engage, some howl when the engine is hot, others barely make a noise.
Many fail at low mileages, I carry a spare, in the motorhome, after having two go bad, while on vacations.
Fan clutches have caused me more more grief on trips than any other part, not just in the XJ but in my Ford and Chevy trucks. More than once I have had to drilled a hole through a fan clutch and bolt it together so the fan would spin, after a clutch died and stoped engaging.