Trucks are for towing / hauling loads. If you're not towing or hauling a load then you're doing it wrong.
Rent a truck for 30$ the two days a year that you need it. You can put your sweatshirt and your backpack in the trunk of a correctly purposed vehicle for the other 363 days. I think you'll enjoy having an automobile that performs well.
The question isn't why do people choose to buy luxury items but why debt is so easily accessible for the purchase. That's much more troubling.
I guess you could assume that the current taxes are precisely applied to externalities other than CO2, but given the large differences in taxation due to jurisdiction, I don't see how they could broadly match up. And requirements for them to do so surely aren't strict or universal.
In theory, you could tax gasoline to the level of true removal cost, but unless a market exists to actually remove the carbon it’s moot since the mechanism to clear the damage can’t exist without a functional market on carbon.
Thus, when you burn gasoline you are externalizing. As a result I cannot understand the desire to needlessly do this just so you can drive a superduty to your office job.