do you tow? if yes then get the tow package. if no, then it'll make a good dent resistor for those close-call parallel parks.
if you add on EVERYTHING like mentioned above, your xterra will be pretty expensive. i don't know about everyone else but i've seen xterras sticker at 29,000-30,000. sorry but if we're going to suggest that kind of price we could also start suggesting some other trucks/suvs in that price range.
what i've always loved about the xterra is that it's stickered at a practical price but you get a real 4x4.