I need one about 1% of the time. However when I need a truck it is for things I can't rent a truck to do. Most rental trucks don't have the right brake controller for a large trailer (rental trailers have surge brakes - I'm never going back to them), and often they don't have the right hitch (permanent 2 inch ball - 2-5/8 balls are common, as a 5th wheel or gooseneck). I keep getting people telling me to rent a truck, while it would save a ton of money, in practice it isn't possible.