furthers my planning, and if I have the money to pay for it outright

This is smart Toby, especially the pay outright part. ✅

The pro's and con's list is also great; I do the same. It's a sure-fire way of revealing the way forward. Sometimes I buy the thing anyway of course, but mostly the right decision is made.

Thanks for that information on the pickup, cool indeed. Here it's a ute generally however mostly I just say truck, even for my LandCruiser. Old HF had some good ideas right? Smart cookie.