For a truck you rent in an at least semi-urban area by the hour it’s never mattered for me, it’s always covered all of the “I live in a city but need a pickup truck” cases like picking up landscaping materials, appliances, large furniture, and so on - a lot more than “just being allowed to bring stuff home from home depot.” Since I drive an SUV which can tow now I just do the opposite and rent a trailer when I would have needed a pickup bed, which also works well.

I’m actually far from a pickup truck hater; they certainly have their place (my parents live in a rural area and I can’t really see them not having one), and I occasionally miss owning one, but I’ve never managed to make the economics come even close to balancing out vs. renting for myself.