Sludge, as seen as a thick layer of congealed oil and crud at the bottom of the oil pan is probably mostly due to blowby from bad rings and contributed to by a poorly tuned engine as well as one that is not driven much.
The condensation seen in the oil filler tube as a whitish/grey layer is definitely due to condensation. That is from a warm (not hot) engine being left in a damp, cold environment where moisture forms. This is usually pretty much eliminated once the jeep is driven for a few longer drives than just down to the store or the post office. If you take a few 30 mile plus drives then the engine and the oil will reach a temperature high enough to burn off the water vapors in the crankcase and oil filler tube.
Again....starting with a well-tuned engine you can determine if you have sludge or not and checking the dipstick/oil filler tube after those few longer hot drives. Dropping the pan and cleaning out that sludge is a very GOOD maintenance plan as any bits of metal or chemicals in it that are unfriendly to bearings will be removed that way!
Another friend's recommendation.