I would like to do Holy Cross, but...

Well, some friends of mine and i are planning on heading to Holy Cross next Wednesday, but i'm not sure if i should go.
I have a few questions.

Would i be alright with a 4" lift and 32" tires?
Is there a high risk for body damage up there? I'm in college and money is tight right now, and i don't have the funds to spend on fixing up body damage or anything.

Would it be better to do this trail with someone that has already done it before?
My friend that wants to go and set up this date has never been, and he also has never done anything harder than Spring Creek, and he didn't even do the rock garden there, he turned around.

Are Wednesdays crowded with other fellow wheelers?

How long would the trip take?

Thanks
Justin

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94 ZJ 5" lift, 32" BFG Muds, locked and geared and ready to go