Been reading along- very interesting. Some thoughts I've had were similar, such as if something happened to my '04, what would I replace it with? I remember the search for a used quad/ club cab ANYTHING in 2003-4 that made me look at new stuff. More importantly and recently, I worry about theft or getting into a bad accident. I haven't talked to my insurance (I'm afraid they'll think I'm scheming) but I wonder what the payoff would be on a truck like that mega or any coveted 5. 9 truck? I really doubt it's replacement or a stated value, like with classic car insurance.