I had the same question between the LE and SE models. When I added the bed liner/utilitrack option, the tow package, and a few other odds and ends, on the SE, the LE was about $1000-$1500 more than the SE. In real numbers that was the difference of about $10.00 a month in payment or 30 cents a day. That was with an 07. Your best bet is to head out to www.edmunds.com to build and price a number of models and option groups and see how the money works out. Personally, I went with LE as I don't care for cloth seats.