About a month ago I threw on a whole lift kit along with 285/70/17s on my 2001 4runner. Everything was feeling smooth and wasn't noticing any problems until one night out of nowhere, about 2 weeks ago, my RPMs shot up while driving and I could no longer move. Cant get it into gear besides park.
Took it to the shop thinking it was a transmission issue but they came back today and let me know that it is a front and rear differential issue. They told me that the bigger wheels and tires with stock gearing really put load on the diffs, so they gave me a new shop to call and also said if I stuck with stock gearing it would go bad again.
My question is, how many of you here run stock gearing with this tire size? I was looking around the forums a bit and saw that people did this same type of upgrades but was able to stay stock gearing with no problems.
Should I re-gear, and if so, what would you guys suggest going with? Note: this is my daily driver with plans to wheel it on the weekends from time to time.

Any input is appreciated. Thanks!