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There are two Xterra models, XE and SE, and three option packages: Sport, Power and Utility.

The base $17,349 4x2 XE comes with the 2.4-liter DOHC four-cylinder engine and five-speed manual transmission. You can't get four-wheel drive with the four-banger. The optional 3.3-liter V6 raises the XE to $18,499, or $20,499 for the 4x4 XE.

The $22,549 two-wheel-drive SE comes standard with the V6. The 4x4 SE lists for $24,549. A four-speed automatic adds $1,000.

The base XE offers ruggedness, but not much else. All the really neat stuff is in the option packages and accessories: By adding packages you could create an XE virtually the same as an SE. But this quickly raises the price. A $999 XE Utility Package is needed for the roof rack, tubular step rails, first-aid kit, big tires, rear wipers and other goodies. Alloy wheels are $599. The SE comes with this stuff, but accessories such as the slick two-bike rack, the neoprene seat covers and tow hitch cost extra.