I am with irongrave, skip the Banks. Their mufflers tend to break down pretty easily and to warranty them, you have to pay for shipping which defeats the purpose. Plus, they use a 3" pipe which is going to affect your TQ.
If you want to keep it cheap, go JBA else go custom. Custom would be 2.25" pipe into a dual in muffler with either a dual out or single out dumped to the side. There is no reason to go out the back since you will have to either run without a spare (which is retarted) or run a smaller spare (only if you run smaller tires too). An x-pipe is not needed in this set-up since the muffler does that job. You may want to add a resonator or 2 if using a dual out muffler to cut down on drone. It has been tried and tested by many members and nobody has said anything negative yet about this kind of set-up.