Some of you guys are missing the point
It doesn't matter if you "need" a truck or not. Some people just like to own trucks. that's not the issue.
Everything everywhere always comes down to money.
Money money money
The thing that always stabs people in the ass is money.
The big issue at hand is the fact that the OP does not have enough money.
He has enough money to drive around in a 4 year old car but he doesn't have enough to drive around in a 4 year old truck.
So he's going to buy a 15 year old truck and hope for the best.
Which is a foolish thing to do.
The supply of used cars and trucks is way too low right now and the prices are a joke.
Any time you do anything, you need to have enough money to make it work out good.
Otherwise, you're just pissing your money away.
if you want a pool table, you save up enough to buy a B+ or A- grade one.
you don't buy a C grade table and then end up hating it because the balls roll like shit
because then you're screwed, you just pissed all the money away on nothing
there are a lot of times in life when you should just "go for it".
"Just going for it" cannot be praised highly enough.
like if you see a armored car with the doors hanging open, you should just run up to the truck and grab a few bags of money and run off
or if you're in love with the prom queen, you should run up to her and start reading her a 15 page love poem you wrote. It will be so romantic, she'll immediately fall in love with you. Wear your best sweater vest.
or if they have a sale on Cheetos at the store, ask your mom to buy three extra bags and have a basement Cheeto party with you and your online pals.
but when it comes to buying machinery, especially a money pit like a used truck, you shouldn't "just go for it".
there nothing that sucks like dumping money into a POS car that's starting to fall apart