Sounds like the 98 may be a better idea for you right now. Like I have said before you are young and have a lot of time ahead of you. You can get the new pickup when you are older and have more time under your belt. At the rate you seem to be going with MS MN you will be married and have kids on the way before you know it!
I didn't own a pickup that was made in the same decade that I bought it in until last fall.
In Iowa I don't think you can get farm plates for anything in the lite duty class. Might want to check into that in MN.
Quite simply for what you want to do I think the 98 would be a better choice if it seems to be mechanically sound.
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