There are a tremendous number of variables to consider for every individual. I look at my bank account, family needs, personal needs, time, space, patience, etc., before a big purchase.
As for the truck? I look at miles, hours, hard-top or soft, heater or no heater, w/w or wo/w, turbo or non-turbo. The truck I ended up purchasing had what I wanted and I set my bid at my max for any purchase at the time. I got the truck for a little less than my max, but then came all the other factors of deuce ownership. Transport, insurance, title, fuel, etc.
I'd say if you wanted to buy a good running truck and have some money left over for filter change, fluids, a full tank of fuel, and a few other things you don't expect, like maybe an in-tank pump and a locking hub... set aside no less than $5000. If there's money left over, you can either dress the truck up a little more, or put the $$ back in your bank account.
