There is no real diffrence, from the point of view of the user, between XL/XE models. The only change, is extra memory in 130XE, but I'd suggest You to upgrade your 8bit Atari with U1MB extension, which gives you 1MB of memory (current demoscene standard).
There is one caveat in XE models. Depending on date of production it may have or have not the Expansion slot. It is not that important, but some extensions require Expansion slot (but most of them don't, U1MB mentioned above goes inside the computer).
Atari: Falcon030 + CT60 + SuperVidel + SvEthlana, TT, 520ST + 4MB ST RAM + 8MB TT RAM + CosmosEx + SC1435, 1040STFM + UltraSatan + SM124, 1040STE 4MB ST RAM + 8MB TT RAM + CosmosEx + NetUSBee + SM144 + SC1224, 65XE + U1MB + VBXE + SIDE2, Jaguar, Lynx II, 2 x Portfolio (HPC-006)
Adam Klobukowski [email@example.com]