And what can you sell your truck for right now? 2017s private party in the right part of the country are selling for more than $60k. I'm still miles ahead of you in terms of equity vs money spent. I've seen Gen1 selling for the low teens. Not holding their value so well anymore.
A 2013 with my options and mileage all are listed around here for $38K to $40K. I just looked yesterday actually. I bought it for $46K 2 years ago. It's holding it's value just fine.