OK, so I ended up backing out of my deal for the 2006 XLT above. It didn't have side curtain airbags, and my wife and I couldn't live with that. Still haven't gotten my deposit back... We'll see.
Here's the one we got. A 2006 Eddie Bauer, fully loaded except for navigation. In very sweet condition with 97K miles on it. We paid just under 11K for it. Sweet...
Very nice!