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Jeep Grand Cherokee '99 Scheduled Service?

Dose anyone else who owns a Cherokee follow the book and service the differentials every 12,000 miles (Schedule b)? I can't beleive that this has to be done once a year! And at $300, it's not cheap. Any suggestions would be of great help. I really love my Jeep, but I don't think I want to keep it if I have to spend a ton of money to do "routine" service every year. Thanks!
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Now, on a tranny service, I understand that the dealer cracks open the pan and adjusts bands or belts internal to the tranny, fine, I'll go to a dealer for that. But unless you have Quadra Drive, there can't be anything that challenging about servicing the diffs in one of these.
I think I'll go to Jiffy Lube at 24K miles (next oil change) and do this as we've done some towing and high speed driving and the like. But I don't think I'll be paying the dealer's price on this one.
Would love to hear from others on this one.