An update for those who were wondering and info for anyone with questions on prices

Tonight I bought...
2005 Xterra Offroad 4x4
Auto
Side air bags
splash guards
all weather floor mats (rubber)
cargo cover
in cabin micro filter
Auto dimming mirror
protection package

and all the stock goodies, for a grand total OTD price of $27,000 even
before Tax, and stuff with rebate $25279
sales tax in Vermont is 5% (fyi)

I hope this helps somebody, I did a TON of research before finally deciding and it came down to wanting an OR over an SE bad enough that I was willing to pay $600 more for the OR over a comparable SE.

Let me know with all honesty what you think of my price, I may have paid a little much but the 2005 OR's are getting scarce.
Gonna go for a ride now...