Consider many dealers are having 0% financing.
Also on the fuel economy: I thought that it's been well debunked that taking the gate off or doing other things to the bed helps. The tailgate creates a bubble of stable air in the bed that helps aerodynamics in a counterintuitive way. The best way is the way the manufacturer designed it. Although maybe a full bed cover to make it more SUV like may help.
Take a look at the Top Gear episode where they take on the HiLux (euro name for the Tacoma)
They all but drop a nuke on it, and it keeps on going. Years later they still keep it in their show.