Auto-replenish amount is pegged to usage so it's not worth seeking out the two most common "other" E-ZPass issuers for NJ drivers (Anyone who uses MTA Bridges and Tunnels frequently should get a NY tag, people who get antsy about a $1/mo fee should get Delaware). They will treat you the same way.

You use the turnpike a lot - I assume at least sometimes you use it during off-peak hours. My recommendation is to turn off auto-replenish and keep your NJ tag.