another vote for B, except with a gas engine in that tow rig. as fun as diesels are, if it's only for occasional use, a big gas engine works great and parts for it tend to be cheaper and more plentiful in random auto stores or junkyards you may find on your journeys. and as for insurance, I own 5 running vehicles, only one of which is insured for driving at any one time. it's cheap to insure the others for "storage". oil changes, tires, etc will all be cheaper for your DD and then you fire up the hauler once in a while for towing purposes.