I too would think the Op would be better served with a 2020 Ford Bronco.
That said,
It’s better to have and not need, than to need and not have.
My F-150 would be considered overkill most of the time for my day to day,
But often I have something come up where I am glad that I have it.
And for those times having what I need already at my disposal, makes enough sense to me and my monthly expenditures to make it worth my while.
Think of any, and all situations , you could and have had, with previous vehicles, and what possibilities exist and could exist.
Then get what falls into that for you.
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