Buy It!
First and foremost, you will not regret buying that truck one bit! I know I have only the 5.4 and everyone raves about the 6.2, but out of my eleven Ford Trucks, this is by far the best one I have owned. Looks and performance included.
Having that said, looking at it logically, you may want to put a deposit down on the truck and finance a portion. Utilize the funds that you would have poured into a check for the whole balance in another way that can return some cash to you. I have seen rates for 48 months extremely low right now and if you have the means to pay for the whole nut at once, you can budget a monthly payment and still be ahead of the game.
The best financial advice I ever received was never put a boat load of money into a depriciating asset. Unfortunately, as much as we all love our Raptor's they are vehicles, which unless you are buying an antique classic such as a vintage Mustang or Corvette, they depreciate quickly.
I purchased my Raptor about two months ago. I put a third down and financed the balance. Suprisingly, I bought stock in Ford Motor Company with some extra funds that I contemplated on putting down on the truck and made a few bucks that have offset any finance charges I would have incurred by taking out the loan for the truck.
Only my two cents, but buy the truck, but don't pay the whole nut in cash. Financial advisors have said new vehicles, including the Raptor, depreciate between 5-7 K immediately once the new registration plates are installed.
Good Luck with the new beast and Congrats!!!!!!!!!:smileup: