Most of us started off stock, got stuck, then upgraded as finances allowed. At least you guys aren't starting off with $30-40K trucks with bank loans. It 100% depends on the trails you try to run, if they demand additional ground clearance, underbody (oil pan and radiator) armor, more aggressive tire tread. It also HUGELY depends on how accommodating your buddies are to help teach you how to read trail lines, spot you through tough obstacles, and assist with tugging or recovery with their tools if you get stuck. If you have AT tires and aren't running street tread, you're halfway there.
I recommend getting to a library of Googling for tutorials and reading up a bit on 4WD trail riding. Then you won't appear to be a total noob.
Assume you're current on your transfer case fluid change (every 50K, not 100), and know for sure your front axle disconnect is functional and you can get into 4LO when you need to?
Here's my FIRST offroad mud expedition in the desert - OEM tires, under 5000 miles, no adequate extraction gear, WITH Mrs. Roadie, and RUNNING BOARDS, for crissake.
It did not end well.
But it challenged me to never let that happen again.
http://forums.offroadtb.com/viewtopic.php?f=55&t=180
Knew it was a bad idea from the get-go. After that little adventure, I found out I'm not so into off roading. 