I will be carrying tools in mine also but I have them in bins first to keep them clear of any elemental impact. they are easier to handle and I can stack things on the bins if needed. Almost thinking of making a drawer system for the bed.
I can verify that BOB Bell Ford in Glen Burnie MD is at MSRP. Just placed a order for a XLT will all the packages. The sales person, Christin got me handled well. 500 Down fully refundable if I cancel. Already got the order notice from FORD. now I wait... they quoted like 6 to 8 months to be on...