We don't even have a gator. My wife does the material handling herself. Our bill for horse moving is probably less than $400 a year in a bad year, a payment on a big-ass truck is upwards of $800 a month. For that matter, in bad years my wife's business subsidized my tech activities and not the other way around.

In my experience, most people who live in rural areas already have access to a suitable vehicle - because a 30-year-old pickup is the cheapest vehicle to own in those circumstances, long-term.