I paid $1000 for a 94 F150 with 125K on it. Rusted and well used. I love it! I've already re-lanscaped yhe front yard and part of the back yard. Hauled over 6 yards of mulch and stepping stones...no problem. The thing about having the truck is I don't have to plan my day around renting and return or borrowing. For $1000 I don't care if I have to pub a couple hundred into it now and then, and the truck is so simple I can fix it with a hammer and pliers
The insurance on it is just liability and it's probably $300 a year IIRC. I don't use in for commuting, but if I'm going out to a construction site or way out location, the fuel cost is acceptable for not having to tear up a nice car. (and I can expense te mileage)
Old trucks are everywhere for cheap.