Thinking about buying a truck.

I am thinking about buying a truck. I am wondering if it is better to buy used from a dealer so i can get a warranty. I went to the international dealer and he said you can get 200k engine and driveline warranty for $6k on a 2008. I am wondering if that is a better move than buying used from a small used truck lot. It just a catastrophic failure could take me down.

 

I was thinking a warranty from a freightliner dealership for a used freightliner we be good in the whole country. I didn't think it would be aftermarket.

I have around 17 k. 8 k down plus 2 k for plates and 2290. Leaves me 7 k to start and I have open around 13 k on credit cards, which I really don't want to use at 14% interest.

I'm just worried if something catastrophic occurs a month into starting and I don't have enough to cover it or I do and I'm completely stretched.

I know they make a killing on warranties. I would be amazed if they pay 40% of what they collect when you add them all up. But it's the same as car insurance. I insure my 5 year old car fully, so I don't lose 8000 if it gets totaled by a dear. I know from an actuarial point of view the insurance company is making good money on the pool of policies, but I just want to cover my but. Granted I could live with a 2500 car. I just worry about catastrophic repair costing $20,000.