Trying to save money for a new house, but want to buy a brand new truck? That don't make any sense at all. Keep what you have since hopefully by now they're both paid off. Do the regular maintenance on them and you'll save a fortune. I guess unless you love car payments, then go for it, and put the house on hold for another 6 years. I'd skip the "Fx2" crap, what's the point, its a 2WD truck, and if you are on a budget trying to save money why would you be adding unnecessary options there's nothing in that package that makes the truck better. You said its for a daily driver, so plain as can be would be far more economical....err rather buy a fuel efficient car that'll get double the fuel economy that the truck ever will. You already have 2 trucks, why would you want a 3rd one. You said you rarely use 4WD, so a car would be just fine for a daily commuter, if you get snow and need the 4WD drive your 4 cylinder Ranger....need to tow/haul drive your F250, but otherwise leave both of them sitting except on the weekend once or twice a month drive them around town a bit just to keep them lubricated and running properly....you'll save money in the long run buying a good used beater car for work. That locking rear diff would get you into more trouble in slippery conditions than its worth, and if you don't use 4WD now, you wouldn't need a locking diff either. Unless you are paying cash outright for a brand new truck, it makes no sense to go buy a 3rd truck as a daily driver. Keep what you have, and drive your current ranger as a daily driver or find a cheap beater car for work. Its to get you to and from work its not a showpiece, and if you have a long distance commute you'd be throwing a lot of miles on that brand new truck which would quickly make it less feasible for economic sense...a car is going to get close to if not more than double the fuel economy that the new Ranger will get.
Been there done that with the new vehicle idea...bit me in the ass...new car turned out to be more problematic than my 20+ year old Mazda B2600i 4x4 pickup with 319k on it. So I then had a car payment and the car sat in the dealership repair shop more than I got to drive it most of the time.