> If you think all truck owners actually need one, count how many of the ones you see are carrying some load and do the math.

Okay, let's do the math.

Suppose you need a truck once a week and it costs $100 to rent one. To rent one would then be $400/mo, which you haven't got. You could buy both a truck and a car and only use the truck once a week, but between payment and insurance then that's again several hundred a month over the cost of having only one vehicle.

Or you could buy a truck as your only vehicle. Then you commute in it two ways five times a week, and it hasn't got anything in it on the way back from the once a week you actually needed it, so it's not carrying any load 95% of the time. But you still need a truck because the alternatives are prohibitively expensive.