Thanks for all the tips, guys!
As to the spacers -- if they lift a little more, that's just fine -- they're only 0.75 inch spacers (they did about 1 to 1.1 inches of lift on the front of the 98).   If they did a whole inch and a half, that would be fine by me, I could live with it.  
As to the rims -- yuck, yeah, I just found out this morning that Samurai rim's hit the calipers.    They just barely hit, though; 1/4 inch of spacer would probably clear it up.  (heck, a few minutes with a dremel at the points where it hits would probably also do it, but that seems like a Bad Thing(tm) to be doing!!).     I wonder if I could swap the calipers from the 98 and solve that problem?    I mean, they're so close to not hitting that I bolted em down thinking I was clear, and didn't realize I'd screwed up till I dropped er in reverse (hope that didn't hurt anything!!!! doesn't seem to have)...
I really don't want to change rims -- that's $$$$, and I am broke broke broke after buying two trucks (this one, and a 99 Tacoma) in the last 30 days.  
Also, I'm hearing from a couple of guys from elsewhere (guys that should know, as they wrench on these things for a living) that I can swap the 3rd's from the 98 Cami-built straight across to get to 5.12 gears (it's 4.88 in the auto, I'm pretty sure).   But the ZukiWorld write-up said it had to be a Jap-built to work.   Anyone know FOR SURE why it has to be Jap-built diff's and/or FOR SURE why cami-built 3rd's wont' interchange?
Thanks,