My '13 Superduty is just year old and almost 19k miles on it. Its my DD at 55-70 miles a day (depends where I need to drop the kids off). I did the numbers on a commuter. Financially its a mess. Insurance here in NJ would cost me close to $1000/year. I get 15+ with my truck commuting. A car big enough to not be killed in, used at a somewhat reasonable cost, would only yield about 30mpg. No savings for me. Leasing would be pricy as I need at least 15k/ year.
The other problem is that I can't fit another vehicle in my driveway. No chance. And I can't make it bigger - property line on one side w/retaining wall, and another wall on the other side with water/sewer/natural gas lines on the other. AND I can't park on the street overnight from Nov. 1 to April 1.
Also. the added mass and probable crash survivability is priceless. I've seen some terrible crashes on my commute. Cars broadsided by semi trucks at highway speeds; cars t-boned and pushed against concrete barrier and then slammed again resulting in all doors being blocked, unconscious driver w/likely head injuries; serious rear-end chain reactions (loaded dump truck lost brakes on a hill, plowed into stopped traffic at a light at the bottom of a 1 mile 6% hill -- they have nowhere to go to crash but the cars -- and that happens at least 1x/year). I could go on. But feeling that my chances to returning home to my kids every night is priceless, to me.
Plus, by the time I wear out a diesel truck drivetrain it would be time for a replacement anyways due to other factors like rust and age related failures.