I've paid off my SUV and put money into it for 4x4/living off grid with it. Such as, rock sliders front and rear bumper protection, recovery equipment, lighting, tires, camping gear, clothes etc. I plan on keeping it and repairing as I go, I do not want another car payment again. I expect to get another 20 years out of this at the rate I drive. I've made sure all my critical items I need taken care of such as medical, vehicle, gear, food etc. I would consider trading in your truck and buy a 2-4 year old SUV/truck for 30k if you can find one and with the money left over from the trade, reinforce it and plan to live out of it if needed. I'm looking at a small plot of land that allows me to live off it in a tent, grow food, rain catchment etc but deep down I think being mobile is the way to go. I don't think the banks are going to repo your truck overnight but they may demand full payment of the loan or another bank will just buy the failed banks assets and transfer your loan over. It's best to not owe anything to anyone though IMO and never buy vehicles new.