A low-E coated article is provided, in certain example embodiments, with a layer including silicon nitride adjacent the glass substrate in order to improve chemical and/or mechanical durability of the coated article. In certain example embodiments, the coated article may be formed so as to have a fairly high visible transmission (TY or T.sub.vis) to sheet resistance (R.sub.s) ratio (i.e., a ratio T.sub.vis/R.sub.s) The higher this ratio, the better the coated article's combined functionality of providing for both good solar performance (e.g., ability to reflect and/or absorb IR radiation) and high visible transmission. Coated articles herein may be used in the context of windows or the like (e.g., laminated vehicle windshields).