Before I became "enlightened" about Mopar radiators, I installed a $63 aftermarket (Spectra) radiator in my LJ. It doesn't get daily driven anymore, but does see heavy off-road use. That was 2013, and the same radiator is still in my Jeep.
Before everyone gets spun up, I'm not saying it is a better alternative than a Mopar radiator. It simply isn't. I just installed a Mopar version in my TJ and the quality and fit differences are apparent. My point here is that what you have isn't necessarily a ticking time bomb. Having installed probably 10 aftermarket radiators for friends on a budget, the worst I've seen is some minor tank leaking. Frankly, the bigger leak related issues stem from people replacing the stock spring hose clamps with worm gear style clamps.
That said, if you can't sleep at night, for fear of your Jeep overheating, by all means replace it. If however, there are more pressing maintenance issues, funds are limited, and the current radiator isn't giving you any warning signs, tackle other maintenance items first. You can always keep an eye on the radiator, then replace it when you have to do other cooling system related work.