The insurance on the s/e will definitly be lower(i drove a s/e challenger 09)i had called my ins co before i drove it,and asked if s/e would be cheaper than the r/t and it was,the r/t would be 70 bucks higher a month,(than my 04 stratus or 09 challenger r/t)but the 09 s/e was only going to be like 7 bucks higher a month than my 04 stratus for the 09 s/e( that is liability,and my stratus is paid for,and at that point i was going to pay cash for the 09 challenger s/e)Im (at the time 41) no tix in last 7 yrs,dwi in 90(non factor)
Performancewise the 09 challenger s/e i drove had plenty of power(if your not going racing,or are not tempted at the light when some puke pulls up with a tri wing turd overrevving his underperforming 4 cyl).If your going to race pull out your classic challenger and blow them away.The s/e challenger will hold their own as far as value down the road as well,more r/ts made than s/e's.Like i stated in a different post,im busting my butt trying to get one.if you can afford it,do it,you wont regret it.Thats the way i feel about it.
