Your question answers itself, especially for your market. How could 64k not be too low if new trucks in your market are actually selling for $99k (20k above sticker)? We’re in a market that is charging (and paying) a premium for those that want their vehicle now.
In my zip, when I run “trade in” values I get an average value of $72k for a 2019 loaded Raptor super crew with 15,000 miles on it. I traded my Gen 2 in a few months ago with 15,000 miles for $70k towards a loaded Gen 3 at msrp. I also felt my trade-in value was somewhat low at the time. I’m in Indiana. I am assuming the coastal markets should be higher than my Midwest market for both resale and purchase.
The assumption seems to hold water if truly everyone around you is selling 10-20k above msrp. I would go on to assume that the West coast market is even higher than the market in Florida.
Everyone else answered the question from a towing perspective, I’m just answering from a value perspective. In my opinion, the value doesn’t seem to be there for specific deal that OP is discussing.