get what you need. do you need a sunroof? just something that will leak down the road. do you need the rearview mirror with the special funcions? uh i don't know about you but i can flip the tint switch myself and a $10 radio shack indoor/outdoor temp works for me. all i'm saying is Nissan will try to sell you everything they can they are a business trying to make $$$$
i stayed away from the SE on purpose and went to the XE with all three pkgs (power, sport?, utility) 4x4, v6, saved about 2500 bucks and drove off the lot at 22k.
you have plenty of aftermarket items available from Nissan or otherwise. someone here said it before and I wish I could remember who said it but it is perfect for the situation that follows after buying an Xterra. EWS (empty wallet syndrome) i swear you will want to buy every toy you see for this truck so have fun and buy what you need and will use.
ken