#1
Is there any diffrence between the SG special and standard other than the inlays and pickup covers?
#2
Yes and simply this:

SG Special <<< SG Standard

The quality control on the Stard is far better, and as a result they the guitars with the better pots, wiring, etc. not to mention pickups, actual Grover tuners and other such goodies.

There's a reason for the cost difference that's bigger than looks, within one manufacturer there always is...
#3
i second you ^ if you dont have the money then keep saving till you can get a standard. They are def. worth it. =]