It would make far more sense to spend less and simply rent for the 99th percentile use (which btw most people probably actually never use). The issue with these big trucks is severe negative externalities for other road users and pedestrians - if that didn't exist I would not care at all if people wasted money.

Also these big trucks have really sucky hauling capacity, it's actually a weird part about them that few people seem to note (and confirms my suspicion most people get them for other reasons).