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No major mechanical differences. You can get more details at Edmunds, if you search for a particular year of car, it has a menu choice that shows all the changes from the previous year no matter how minor.
When you go to sell the car, of course, an 04 will be worth less than on 05 with equal miles, but I doubt this will be as large a difference as the 12% you save today + what you could earn on that money in 3-4 years.
As an aside, the 06, which should be at dealers shortly, will have 'significant' changes, most notably an anti-skid control program.
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