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I think the fact that my F-450 came as a pickup truck and not the "Cab on Chassis" that the pre-2008 F-450s came as is the difference. It's insured just like my F-350 before it was. I didn't even realize that insurance was an issue with people till I started reading this thread.
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2007 F-350 6.0 Lariat...
Had:
2008 F-450 6.4 Lariat
2004 F-350 6.0 Lariat
2002 F-250 V10 Gasser (never again) Lariat
2001 F-350 7.3 Lariat
1992 F-250 Straight 6 XL
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