I agree, it is all about making you more productive. Wife has a hard time with my toy purchases (her words) sometimes, but when the cash is flowing in during the summer, there is no complaints.
As far as insurance goes, big truck/little truck/pickup truck, commercial insurance is not cheap anyway you look at it. Just my truck went up over $500/year going from personal insurance to commercial.
Thing that guys that deliver on a small scale don't realize is they need commercial insurance as you are using your truck for profit. Get into an accident one time with your vehicle and hurt someone (even if it is their fault) you are screwed if your insurance company denies your claim as you were hauling commercially.
Kinda back on topic, I am not selling a 2/cord load but buying a 2/cord load today for $140/cord split and supposedly seasoned and all Oak. That $40/more a cord than I have been paying for all Oak (green and processed right into the dump trailer of his conveyor), but my guy ran out last week