To your question of which model you have, the SE has the so-called charcoal rack and wheels as a previous poster mentioned, like mine in the pic below. SE's also have an extra badge on the hatch, i.e. if your hatch says XTERRA, that's an XE; if it says XTERRA SE, it's an SE. Assuming of course the SE badge didn't come off somehow.

You can see the SE hatch badge here:



And the charcoal rack and wheels here:


That should settle whether yours is an XE or SE.