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The #1 cost for most owners is depreciation which happens mostly due to age rather than miles driven.
Seems you've done well to estimate the pros and cons. Insurance seems a bit high to me to add a vehicle, but I don't know your circumstances. At my age and lack of infractions, adding a car might cost $200 every 6 months at the high end. Switching insurance companies almost always saves money since they lure people in with low prices and then creep the price up over time (and then tell you you're getting a loyalty discount as the premium goes up).
I'm of the mindset to use the best tool for the job, and a truck is not ideal for long commutes where the utility isn't needed.
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