"...Guess it would depend on when and..." You can add 'Where' to that too. And reloading doesn't save much, if any, money.
The whole thing is about your budget though.
"...Ford 4x4 ran $75,000..." That's funny. Up here, a 4 door, 4X4, F-150(that only comes with a girly automatic transmission now. FORD said you guys weren't buying proper standards) was 70 grand plus taxes and delivery etc. Be close to 100 grand Cdn. by the time you drive off the lot. And there are hordes of 'em on the roads.
Spelling and grammar count!