I guess I just don't understand.
You have a truck that is doing the job now. It has nothing wrong with it. You like it. You trust it. Its paid for.

You are looking at a truck that you don't know very well, don't like how the truck looks, have to sell the truck you love to buy it, and finance it on top of the whole mess?

You want to know what I would do? I would quit looking at trucks until you need one, which is not now. Keep the 98. Gene