BUT, when you go to finance a base model truck for $465 a month and the Fully loaded one is $500 a month, it is a little enticing to get the extra stuff for a few buck more a month. I made this mistake, when I went to get my wife a new car. we settled on a lower trim model got our payments to an affordable price> then the guy says"For another $65 a month, you could have a fully loaded one." My wife being the impatient person she is, said we already did the paperwork for this one, and we were trying to keep the payment closer to $400 monthly, so this is the one we're taking home. Next time, I'm going FULLY LOADED. ( minus 4wd )