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I just traded out my 2001 7.3 for a 2009 5.4. My towing amounts to towing an occasional dump trailer loaded up with gravel or wood, perhaps a uhaul, and a bunch of light stuff like a woodsplitter. I use the truck more for plowing and payload than anything else.
I think unless you are towing some serious stuff on a regular basis, the 5.4 is fine.
So far, it looks like I'm getting about the same mileage with the 5.4 that I got with the 7.3...which would be around 14. We'll see if it still works out in a few months. I have to admit, I'm still getting used to driving this gasser truck.
For me, there just is no way to justify the diesel. At $8000 more for the motor, near same mileage, and the higher cost of diesel, there is just no way to make it work...nevermind maintenence cost. I'm in the northeast too, where the truck won't last long enough to get the mileage out of the diesel.
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