Many of you with good credit and cash in the bank want to put more money down to get a lower payment.
For some, I suppose this is good thinking. More often though, hindsight will kick you. Money put into a truck can't be recovered until the truck is sold. An artificially low payment encourages slack thinking and doing. Making your payment is one of your best self judges of how well you are doing. If your payment is lower than your peers, it becomes easier for you to slack off. If that's what you want, cool. But, in this industry slackers seldom prosper. The heat of a payment coming due will drive your best thinking and doing.
If you have extra money beyond the required down payment it may be wiser to put the money in some sort of interest bearing account. That way if unexpected downtime occurs you can use that money to make a payment. This is a great insurance account and the cost is the difference in rates less the tax deduction on the additional truck interest.