Two different dealers talked me out of the S/C when I bought my 2002 XE 2 weeks ago. They both said it was more maintenance, more gas, and you have to use Premium fuel.
I also read a review on the S/C Xterra, and the biggest complaint was the 13MPG the vehicle got. I'm not sure if that's typical, but wow.
I traded in a 190HP Tacoma for the Xterra. I've been quite happy with the 170HP motor thus far. My buddy rode in it with me and said it felt like it had more grunt that my Taco did. Maybe it's the auto tranny that's making the difference.