I'm also a little lost, and not all the money in the world will convince me to go back and read this whole post. But here is what I think, based on what I think I know

(you can take that any way you want).
If you have 10 bolts, locked and posi'd and you already have 6 bolt wheels, and you are running 33's or 35's, AND you don't wheel hard, I'd stick with that combo and get out there and have fun on the trails.
As far as I'm concerned the absolute best mod is locked/posi'd axles. NOTHING beats four turning tires! If you aren't a hard wheeler you will likely have no problem with this combo at all. A couple of spare used axle shafts JUST in case and you are laughing. You can spend all the saved $ on countless other performance upgrades and have TONS of fun wheeling.
If you find after a season or two that the ten bolts aren't doing it for you, by then you will likely be in a better financial situation to address it like you want!