In regards to different wheels, there is a fine line. The stock wheels have a lot of offset, meaning they set narrow or in close to the vehicle. This helps prevent the front tires from rubbing on the back of the front wheelwells when turning (which is the most common/worst rub point). However at some point in time the tires will start rubbing on control arms and other suspension parts when turning as the tires get bigger. Aftermarket wheels have less offset, and it varies quite a bit by type and brand, meaning they will sit out wider or further away from the body (tires will stick out more). This helps prevent rubbing on the suspension but will cause more rubbing on the back of the front fenderwell when turning.
You don't need $5k in suspension upgrades to run 37's. Some people do it stock or get a small leveling/lift kit for the front. I personally have 1.5" Thuren front coils and Fox shocks on mine with 37's and think it does fine. I also think gearing and power with 37's on stock axle gears is adequate. Sure, the 37's put more "stress" on everything but not like it's going to explode or fall apart in 5,000 miles. If you want to put 300k miles on it there probably is a difference and would stay with small tires.