EXL is much more expensive (60$ more than SE with leather) but anythins possible that they will get lowered. stock is pretty low and im happy. So im sure every other day they will come out with sumthin better- but this i think is a good deal for me. I walked out of there paid bank fee, registration, and first month fee. nothin else. and )$ when i return it, and 1500$ damage waiver.