HAHA - yeah payment isn't that much actually. Haven't had a truck payment for 12 years but at some point it's time to upgrade so all of those years of no payments add up for a nice down payment. :) Mine owed me nothing as well but got tired of the 2-3 grand a year it took to keep it on the road. I suppose at some point I'da replaced almost everything but the tranny wasn't going to last forever either. Where I live I needed/wanted something that was more HD and something that rides better. I have no use for one of new those junk diesels so I saved myself a chuck of cash and headaches down the road. The 6.2 pulls as good or better than the chipped and modded 7.3 it replaced. Cheers!