Those who do this (and I have been one, on occasion) know that this is one of the risks involved. Plan B is always “turn it into a rock buggy” i.e. strip off (or cut off) all the bodywork, and weld a roll cage to it. Every off-roader knows you can’t get the really *big* tires on there until the fenders are gone anyway. Plan C is “sell the parts for funds to buy another off-road truck”. Also, most of the guys who do this do so on small budgets, saving their pennies along the way for various upgrades.
A modest off-road truck might cost you $1500-2000, along with an equal amount for initial upgrades. Such a vehicle, if treated reasonably, will last many years of off-roading. Since comfort and looks are secondary, the utility of the vehicle increases enormously. Most smokers spend more every year than a modest off-roader costs in maintenance.