Who's stock, and not planning to gear up?

I'm in a stock 14 Jeep GC Laredo - Only upgrades are real tires and a roof rack/basket.
I don't do any hardcore off-roading but like to do lots of fire roads and snow travel and this thing does just fine as is...
 
My budget is dictating that I keep everything essentially stock. I will be adding a roof rack so I can use my RTT but other than that all the running gear is stock. I am putting my $$ into safety and storage items for now. I will add that as things break and they always do, I will be upgrading!