you are expressing the very reasons why the Lightning is so popular, and there is so much 'pricing' pressure to not only the buyers, but the sellers(dealers), too. I will imagine that most here who have ordered a higher-priced Lariat ER 511A or Platinum are not worried about 'financing' these expense 'vehicles'. If you are, you might be in a place where you've set your mind to purchase an expensive vehicle, at least as compared to other EV car options. Yes, you'll have few 'truck' EV options, which is part of what is driving this vehicle, and I'll join you there, but the Nissan Leaf is a TERRIFIC EV and can get you anywhere any of the others can, at a much more affordable price, and available ON DEALER LOTS - that's not something you can say about most any of the others, whether the new VW ID.4, or the KIA EV6, or the Hyundai, or Lucid, or Rivian, or even the Tesla.
There are also used EVs in the market - I just sold one of our original 2015 Nissan Leafs. The new owner was proud to have his first EV, even if it has 'only' a 60-70 mile range. It does what it does, and it does it well.
The Lightning PRO, even at the base price, without any dealer ADM, is $43,000 by the time you add your sales/tavt tax, tag, title, etc costs. Even that is not 'cheap', when you consider what you could do with that amount of money. I'll admit that almost NO new or used vehicle is inexpensive right now, but the financial picture, even with fuel savings and maintenance savings with an EV, might be breaking off more than they can chew.