As a friend said to me a few months ago, "What's wrong with your truck?" Why buy another truck? If yours does the job, is paid for or almost paid for, still in good shape, and not beginning to dollar you to death. Then just say no. I was looking because I wanted something newer. I have a 97 GMC 1 ton dually. Runs great, looks great, and pulls my trailer with no problem.
But if you are looking to just go newer then go for it and get what you want.
I had Geico for over 15 years and only had 1 claim on my RV. Had the brakes lock up on the freeway and called for tow. They were very helpful and took care of all our needs. No hassle and took it to the repair shop that I wanted (50 mile radius). Took longer for the tow truck to arrive that could handle our MH then it did to place the claim. Their customer service and speed of handling things is why I haven't changed.