Yes, this is usually true, unless you can find an investment that you can put your 80k toward that will return an amount greater than the interest that you are paying on the truck. With the way things are right now I will probably be following tkdr6's advice and buying mine for cash, but YMMV.
No worries at all, Colorado is a beautiful state and meant to be shared with our entire country. I hope you get the opportunity to bring your new truck out here and have loads of fun testing it to its full capabilities
Also, sorry for posting up your Colorado page...I know that I am in Texas...but I am from Seattle (also not Colorado), I love the mountains, and it is too hot, flat, and full of mosquitos here, so this enables a little bit of make believe for me. Now back to your regularly scheduled program.