Well it looks like I'll be using my wife's 02 Xtrra from now on since my truck was a total loss. We talked it over and have decided that I'll buy a nice (used, under $15k) family vehicle right now. Then we she goes back to work in a year or so (which will be the first time in five+ years because she raising the babies) then I'll be able to get me a new truck of my choosing since everything has been on me the last several years. I thought that was a good deal.