Thanks for all your input. The situation we are in is that we will be transitioning to a FW but first need to get the truck. Right now I am towing with a Ford Excursion. The plan is to get the right truck in 2-3 years, continue towing my current TT with the new(er) truck for a few years, then get a FW. We may well have our current TT for five more years, making it about 10 years old I'm thinking when we make the changeover to FW. So this is all really advance planning. By then, I won't owe much at all on the unit.