I have full coverage regardless. I do not have gap insurance. And it is possible to build equity in the vehicle. At the end of my lease it is possible that my truck will be worth more than they estimated. Therefore, if I purchase the truck at the end of the lease I will pay less and have a higher value. I can then trade it in for a new car, or just pay for it.
I haven't decided if I want to trade for a new truck, buy it and keep it, or buy it and trade it in for a different vehicle.

