Go over to the F-150 forum and you'll read similar stories. Same with GMC/Chevy. These are mostly minor concerns that impact a small percentage of owners. I had fewer problems with my 2019 Ram 1500 than the last three trucks I've owned (2014 Titan, 2016 Silverado, 2017 Titan). I recently sold the 2019 and I'm awaiting delivery of my 2021 Ram 1500 Limited. It's unfortunate that you ran into a bad dealership (there are many out there) but try another until you find a good service department. As far as paying off your truck, you can do that as soon as you receive your loan information. Actually, just go to Chrysler Capital and create your account. There's an option to do it by SS Number, so you don't even have to wait for your loan documents to show up in the mail. I just did this with my wife's Jeep GC. I took advantage of the rebates by financing with Chrysler and paid it off within a few weeks. In my opinion, these are really nice trucks, try to enjoy it.