The warranty on a Ford is 3/36 B-B and 5/60 powertrain. Exactly the same as Toyo. The Toyo dealer would tell you exactly the same thing in the same situation, except the price would be noticeably higher. Toyo dealerships have shops as big as Ford dealers, and there's a reason for that. You can extend that warranty if you're concerned about it. If you don't no dealer or company is going to pay your bill.I dont know if this helps at all, but I can share my recent experience with Ford. I had a 2013 f150 in the 5.0 liter V8. Bought it basically new with 10k. This January the check engine light came on at 89k miles. I keep my shit nice and never miss maintenance, synthetic oil, etc.. Took it to Ford and they said dead cylinder, 20 percent compression. New engine installed was $11k. Dealer said "good luck bro".
I couldn't get to the Toyota dealer fast enough. Got a Tacoma and couldn't be happier.