Basically if you're using a pickup as a commuter vehicle..you probably don't make good life choices.

That is false for nearly everyone. Unless you are driving double the miles of an average person, the costs of a second car that is practical for 99% of your needs and a truck for that last 1% is higher than the costs of just driving the truck for everything. You have to make payments and taxes on the truck even when it sits in the driveway. You might get a small insurance discount for a truck you rarely drive, but your insurance on two vehicles is higher than just one.

People say "just rent a truck", but every time I look into that I discover rental trucks come with a lot of restrictions such that you can't use them as a truck (I expect a truck used as a truck to get paint scratches). And the cost is so high that it won't take many rentals to making having a truck the cheaper option (getting right of the car in exchange).