It's pretty easy to drop the fuel tank. Once the skid plate is off, it's 6 bolts to drop the tank and I remember mine dropped low enough to work on without disconnecting every line.
...but having an access flap would be pretty good for future repairs. I'll need to do the same thing because the gas tank lift required me to modify the mounts so I can't drop the tank.
Good Call. I like carrying extra axle shafts and an alternator. Didn't think about a fuel pump but they do die suddenly and will leave you stranded. I'll probably add a spare fuel pump to my inventory before summer.