Even though it was already sorta discussed I'm going to chime in. When I worked at the insurance company the underwriting rule was an F350 and above was prohibited in personal lines because it was common for F350s and above to be used for business purposes such as on construction sites. Even then F250s and F150s are also used for business and it was something that would come up where an accident would happen at the job site and the truck was under personal lines when it should have been under commercial lines since it was used for business. Now the rules talked about other trucks it's just for this example it was easier to only discuss the Fords.
My in-laws just bought an F350 custom version King Ranch for something around $80k. Before that they had an F150 Platinum edition that cost something like $70k-$75k. They use the truck to haul their boat, their horse trailer, their flatbed trailer, and now their 5th wheel (which is the reason they traded the F150 for the F350). Of course yes they bought custom versions and whatnot so their price tag went up but still. Just know that trucks people buy for work mainly speaking construction sites or places where towing capacity is required are often expensive because they are rugged, they have nicer bed liners for example, they have built-in tool storage, they have better towing capacity, etc. Don't just think of the price and say "why buy if it will get messed up".