I just bought an SE245. I tend to change the pickups in most of my guitars, and I bought the SE with the intention of changing the pickups pretty much immediately. My expectations were low for the stock pickups in such a cheap guitar.
However, so far I've been incredibly impressed. The blurb says that PRS intention was to produce a vintage sounding instrument and the pickups certainly have great vintage type tone. Plus, the clean up on the volume knobs on both pickups is superb and the range of tones on the tone knobs is great. I'm not sure I would gain as much as I normally do by swapping out the pickups. I was probably going to put a set of Bare Knuckle Mules in there, but so far, I'm pretty much satisfied with the stock tones.