Hmmmm
I have a '97 XL and it makes the creaking as well, its NOT my ball joints or control arms, they are absolutely fine (and brand-new), it COULD be my wheel bearings but the one of the driver's side has been replaced twice already, I'm thinking its probably the mounts for my front dif, as the bushings look REALLY worn but to replace them is pricey as well because you get the hanger and the bushings for that as well. I'll keep you posted on whether changing that fixes it. Also, funny thing, it doesn't do the noise when its raining, you can feel the "loose" feeling still when the suspension moves over large bumps but no noise, so thats also why I think its the mounts for the front dif, because they are the closest to the ground.