pnoid, correct.
The Premium XLT in '04 came with color matched cladding, leather and six-way heated seats.
I'd say if you don't have the stereo and stitching on headrest, it's probably the Premium version that someone has added badging to. Everything else (wheels-stepbar-badging) can be purchased on eBay, but doubtful headrests could be bought.
I know when I was doing research on which model to buy, the differences between the Premium and Adrenalin was not worth the added cost for me.