Personallly I would say you should hold out and keep saving.....
I wouldn't let my son ride in the truck other than around the block trips until I installed a disc/booster kit. imho it was just to dangerous driving at freeway speed in so cal with drums.
On the flip side I encouraged wy wife to go on cruises and not wear her seat belt as she has a really good life insurance policy...lol
(j/k)