Either way in my humble opinion any vehicle that's priced over $50,000 is just crazy. At that point it's a total luxury and a toy. It's not the vehicle that gets you from point A to point B or your work vehicle.
I doubt it. I'm sure insurance will pay part of it. They will work something out behind closed doors. Remember we are just the little people, they are the ones who actually run the world.
Always be willing to walk off the lot away from a bad deal. That shows the dealership you don't "need the vehicle" and "don't have to buy one." They will normally come chasing after you because they are just about to lose a sale and then they are going to here about it from upper management.
If I were looking for a mid-Size Truck and was willing to spend $50,000 I think I would buy a Tacoma TRD with all the bells and whistles, but again why buy a midsize truck for $50,000 when I can buy a full size Truck with everything and a V-8 for that amount.