If your current truck meets your needs and is paid off, I would not finance a Raptor. Rates are way too high right now.Love that blue color!
Owning my 20’ XLT outright vs a $300-400/month payment for a raptor is hanging me up. Not because that’s not affordable, just hard to pay monthly for an item that is also losing value
But man would it be cool/fun to hit whoops/rough roads at speed
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Spend a few thousand on suspension upgrades like Fox Shocks, coils, and leaf springs. You should be able to get an exceptionally smooth ride on rough desert roads.