Coated articles include two or more functional infrared (IR) reflecting layers sandwiched between at least dielectric layers. The dielectric layers may be of or including silicon nitride or the like. At least one of the IR reflecting layers is of or including titanium nitride (e.g., TiN) and at least another of the IR reflecting layers is of or including NiCr (e.g., NiCr, NiCrNx, NiCrMo, and/or NiCrMoNx).