Well i know that dealers will install leather for you, however the seats will not be power and will not be heated, so if those are features you like, then youd have to go with the limited. I personally like the limited better, maybe because I have one. There are a few cosmetic differences inside, which I think look really nice. It really comes down to what you can and are willing to spend. If you think the SR5 fits your needs, then go for it. As far as the quality of the leather, im not really sure. I am impressed with the leather on the limited, however my last car was a Ford Explorer. If you like the sunroof, you could always get it installed aftermarket. I know some people are against this, but a buddy of mine had one installed on his Grand Cherokee, and it was amazing. So much nicer than the factory one. Closed automatically when the car was locked, opened and closed real smoothly, i was very impressed with it. Anyway, if the limited options aren't worth it to you, then go for the SR-5, and just get dealer installed leather.