SEs?, they Look like Sports to me. In '95 SE was base, then Sport was the mid-level trim, and Country was the top trim. Actually they are almost identical to my XJ (I have a '95 Sport in that color combo).
Pulling the carpet is easy (except under the seats), you just need remove the screws from the plastic trim on the inside of the sills, pop the trim and then the carpet lifts right up (if you want to completely remove the carpet you need to pull the seats and console but you can get a good look under it by just pulling the trim). The work required to repair the floors depends on the extent of the damage, patching a few small holes is (relatively) easy, replacing entire pans is a fair amount of work but not particularly difficult, just time -consuming. If you can weld or know someone who can the pans cost surround $50 ea. rockers are also pretty cheap (less than $100 for complete panels). A body shop will easily charge $500 per pan (there are 5: frond driver, front pass, rear driver, rear pass, cargo) or more to replace them, if you can find a local welder that does side jobs they may do it for a decent price.
Assuming the first one was repaired properly (new metal welded in not Bondo or riveted patches) it looks like the better deal as long as it is in good shape otherwise.
The mileage really doesn't matter in this case they are both "low-mileage" as XJs go (my '95 has 220k mi on it).
On both of them give them a good going over, check fluid levels/condition, belts, hoses, suspension components, check everywhere for rust, look for any leaks, weird noises/vibrations, etc.