Is this a stupid idea for someone who is somewhat financially conservative? I want a fun, reliable, comfortable truck, and have about $20k I could comfortably spend. Is it worth getting a 5-10 year old diesel with 75-125k on the clock over a much newer gasser with <50k miles? I'm not afraid to get my hands dirty, but have no diesel experience. Admittedly, I don't need a diesel truck, I want one. I know which models to stay clear of, and have friends who are into diesel and know a bit. However, they are also much happier living paycheck to paycheck to finance their toys; something I plain refuse to do. Dream truck would be a single cab longbed 4x4 cummins with 5 speed manual. Not looking to bro-doze anything, though I could see chipping it for fuel mileage and some extra power. I'm guessing lack of response means I'm an idiot for considering this.