Wow. Really appreciate all the comments here. I tend to overthink any big purchases over long periods of time before I make the leap so all this information does help. Just have to sort everything out in my head if that makes sense.
I can't afford 50,000 on a truck either! It is an insane amount of money to haul a horse, loads of hay, and the occasional materials for projects. Plus keep up the maintenance on my car.
Have looked and looked at used trucks, and it just doesn't seem to be a real savings when I add everything up. To get a decent one, is about 30,000. The interest rate is higher on used and my trade in would be lower. Add in the cost of repairs cause someone else didn't take care of their vehicle, plus no warranty, and well the new seems cheaper overall when I can get one for 40,000.
Fords just seem more comfortable to ride in to me. Something more "work truck feeling" about a Chevy. I love the huge back seat area in the crew cab too. Plenty of room for my tack with the seats folded up. Since I don't have a tack room in my trailer, a place for tack is important. My current truck is an extended cab, and that worked fine when it is just me and one horse. But often I am carrying a second horse and a second set of tack. Plus I want to be able to camp out again.
But I really don't want something that can't do everything else for me too. Haul dirt, haul hay, and yes even have hauled rocks in my truck before.
Seems to me that folks only sell used trucks when they are used up.
Lease might be an option, but I can't imagine trying to keep a truck in new condition for returning, and then I wouldn't even have a truck to drive after paying all that money. I never have understood the reasoning behind leasing. Would be making payments forever...
No real good answer I guess