A coated article including a coating supported by a glass substrate is provided. In certain example embodiments, the coating includes from the glass substrate outwardly a first dielectric layer(s), an infrared (IR) reflecting layer (e.g., Ag), NiCrO.sub.X layer, at least one dielectric layer including silicon nitride and/or tin oxide, another IR reflecting layer (e.g., Ag), and at least another dielectric layer including silicon nitride and/or tin oxide.