So, I just received my 2019 F450. On a whim, I called USAA to swap the 450 for the 350. Gave the girl the VIN and she read back that it was a 450. She asked if I was using it commercially and if I wanted the exact same coverage and I said yes. The next words from her were "that'll be $28 more every six months, is there anything else you need?"
Evidently, since my experience in 2013, USAA has figured out that this is not the C&C truck. Very happy and with that in mind, there is zero reason not to get the F450. You lose the TPMS, but the turning radius is a game changer. I lived with that for a year with the 350 and hated it every time I needed to maneuver in tight spaces.
There was no difference is quotes from State Farm. Both vehicles are 14,000 pounds.
And, yes, the F450 turning radius and larger brakes are worth getting the F450.