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"If your truck cost you $15,000 and you drive it for 15 years then it is costing you $1,000 a year not including all the other expenses. If you borrowed money to buy the truck is significantly worse.
"So your actual costs excluding gas are $1,000 + $350 + $250 or $1600 a year. Your gas is half that.
But my truck didn't cost me $15,000. I bought it about 3 years ago for $4500 and I payed cash. Right now it's got about 95,000 miles on it. I drive about 10,000 miles/year and I expect to put another 70,000 or so on it before I find a replacement. At that time I'll probably get about $800 or so when I sell it, so my annual purchase cost will work out to something like $370.

I'm probably atypical in that I buy very boring, practical vehicles and then work on them myself, but I'd guess that around 10% of the population does the same thing. I didn't always do this, but once I started regarding my truck as nothing more than transportation for me and my gear it was amazing how much money I had available for guns, boats, scuba equipment and other toys.

Okay, so it is $370 + $350 + $250 which is $970 a year in actual costs excluding fuel. That is still more than your $800 fuel bill annually. The point being that the actual operating costs are higher than most people realize (and higher than you estimated).