My take is that it comes down to how your using your truck. Just highway and some light off-road then ppf the front, mirrors, headlights, etc.
This is going to be the new work truck and I put on a ton of miles on gravel almost every day in the oil and gas industry. I went with full Xpel on all the paint, had the bumpers and rockers Armorthane coated and Color matched with epoxy.
My last work truck only had ppf on the front and at 235k km’s the paint is destroyed so it made sense for me to spend the money on added protection.
One other consideration is the cost of work in your area, a factory spec paint job where all trim, door handles etc is removed costs around 16k and I had the entire truck wrapped for 6k. Keep in mind that's Canadian not US but I’ve heard of some people paying 8k US for a full wrap.