Jason if you think you would EVER need the 4x4 spend the money and get it now.
I bought a ford ranger 2 wheel drive and have regretted not getting the 4x4 since the first time I got stuck in wet grass.
I have a se 4x4 and can do without the useless sunroof although I love the leather wrapped steering wheel.
Save your money on the se and get a xe with everything including 4x4. Just my .02

Wade