There are work a rounds, but they are limited (home depot will rent a truck but the fine print is only to go from home depot to your house, no other trips). If you have a CDL you can rent a commercial truck that lets you work it. However for general purpose I need a truck to be a truck the average person can't rent.
I damaged a U-haul once and it was fine, it was all covered.
We rented a U-haul this year and hauled about 2000lbs of stuff to the dump with it in one trip.
As long as you bring it back and it's not on fire they're unlikely to care.
You can even optimize by buying your own trailer so you can load and unload at your convenience, and only rent the truck to move the trailer - and trailers (even enclosed ones or dump ones) are significantly cheaper than trucks, and really only need tires as maintenance.
And most people on this site are driving ICE cars and SUVs which are much less efficient than an F-150 EV and are themselves very oversized.
And I say this as someone who owns a fleet of station wagons.