I guess I just look at it like you're spending 80-90k and either truck isn't getting amazing mileage. If a Raptor averages 14mpg and drives 12k miles a year at $5/gallon, thats $357 a month in fuel while a TRX averaging 11 mpg would be $454 a month.
If someone is buying a vehicle at this price point and that extra $100 a month breaks them, they should reconsider whether either truck is a good fit for their financial situation.
I can easily afford either one…not like price is that much different - as could many others on this forum, I owned my ‘18 Raptor outright & now my ‘20 same thing- I have no payment. And STILL the biggest reason I could justify the TRX was the horrific mpg- I don’t Think they’re as close as you indicate at all, it’s a solid 5mpg difference but around town it can be abysmal.
You can justify/rationalize anything if you lobby hard enough for it (in your mind or otherwise) but at the end of the day 99.9% of people don’t have “unlimited $$$” as I said, & if they do…..you’re seriously limiting yourself driving a Raptor OR a TRX lol
But I have 2 kids @ home & when I bought my 2020 after going through this exact exercise I couldn’t justify blowing another $200/month on 93 octane when I could instead put that into my kids college fund(s)…..or do what I did instead of that & got a 2nd Yamaha waverunner lol, that payment after what I put down is like $180 a month
So for me the difference in mpg between DD’ing a Raptor or a TRX averaging 17k-20k miles a year equated to a brand new $17k waverunner except that’ll be paid off in 3 years & id still be pissing $$$ on gas for a few years longer if I had gotten a TRX (tend to keep my vehicles 5 years if I can)
If I lived in a place I could seriously off-road regularly + had big distance between locations (which tends to be the case in MT/NV/UT/AZ/CO etc etc) I mean it’s really not even worthy of discussion at that point