Depends entirely on your budget. If you can afford to get an older rig that's stock and build it up as you like then go that route. If you would rather just lump everything together with the loan from a dealership that is an option as well. I opted for the cheapest rig out of the box that was brand new. I paid my rig off in a matter of a few months after buying it and then have been building up as I go. That way I can build it out how I want to and when it comes time for me to do axle swaps I will be going Dana 60's minimum so it didn't make sense for me to pay the added cost of a Rubicon when I was going to build above those specs down the road anyway.