It's all about miles driven.
We've been lucky of late that the commute is zero miles in the winter and 10 miles roundtrip in the summer, so we would be losing money buying a seperate car.
Of course if we are going purely for the financial benefit, buy a 5yr old car for $10k. Assuming you don't abuse it, you should be able to get 10yrs out of it with it being reliable and your lease payment would have it paid off in around 7yrs. Your insurance will likely be a bit cheaper as it's worth less.
Unless you are talking crazy high miles, I wouldn't put much emphasis on wear and tear for the truck. Regular use is actually good for mechanical devices, so modest use likely will result in a longer lifespan than sitting for a month or more at a time between hard use towing.