$40k sounds like a lot but to own a reliable towing vehicle you need to spend at least $20k in my eyes especially if you aren’t mechanically inclined. If you look what’s out there for $20k it’s still pretty slim pickings, usually with junk tires, rust starting, and zero warranty (yes that’s literally what 20 grand gets you). So if a guy is stuck with a payment either way, what’s the difference if the payment is another $200 a month? Most smokers spend that for cigarettes, most people spend that much or more going out to eat in a month, not to mention that’s a pretty easy bar tab for a night. Everybody has their thing and I have no problem cutting out a few things in my every day life to get to own a problem free new pickup that can tow anything I throw at it without worrying about a thing. I also work over 400 hrs of overtime every year. Just my 2 cents.
As far as tow vehicles go I have a 3.5 ecoboost F150. In my opinion they are the closest thing you can get to a diesel without owning one. Cruise set towing a 2 place enclosed wind block the thing never downshifts like a N/A motor would. Only downside is the expected longevity of the entire setup is not as long as a N/A motor and wouldn’t suggest someone to own one past 125kish miles. Not saying it won’t go longer but the odds of a timing chain going out continue to rise drastically over that point. Another downside is cost, a run of the mill F150 new with an ecoboost even in a cheaper configuration is impossible to find under $40k unlike Chevy or dodge. Which is why I threw the Chevy numbers out there in my previous post.
just my opinion on the matter