I have had a lot of trucks over my 40 year of driveing. I agree with the general opinion here that a good truck for work (coal hauling for example) is not a great truck for the family, and vice versa. I also agree strongly with ktm that a salvage or R title truck can be a great buy. I also agree with lincoln that an older truck can be an excellent work truck for a low price. If you don't do any of your own repairs, have a salvage truck checked thouroghly by a good mechanic who knows body/frame repair or a good bodyman with mechanical knowledge.
I bought my '94 Toyota truck two years ago wrecked and filthy at auction 2 years ago. It had only 52,000 miles on it. I paid $600. for it and fixed it myself (I do fame and major collision work for a used car dealer specializing in late model salvage vehicles). I repainted it with some cheap single stage paint, but still don't have to worry about scratching it up. It has been providing excellent service.
If you drive your truck only about 3,200 miles a year and are not made of $$, I certainly wouldn't buy new. If you want to haul your own coal etc. I would recommend a full size truck with an 8' bed and a 6cyl. engine for gas milage (you realy don't need lots of horsepower to haul wheight). Also you will pay less, have less maintenance and get better gas milage with a 2 wheel drive truck. Good luck.