personally i think you can get a kc for a little cheaper than that. but when it comes down to it really 2 major things will make it worth your payment--
1. 'does it do what you need it to do' (i.e., haul trailer, kids, rocks, your mom, whatever) or 'which one does it better'?
2. 'does it make you SMILE A LOT'

or 'which one makes you smile BIGGER'!!!!!!
whatever truck you can answer yes to for those questions will make the truck payment worth it. this is especially true if you plan on keeping the truck after you are done paying for it--buy what you love so you love it down the road!!
ps---GET THE TITAN!!!
