My F4X build, 401A Tremor build, and base Raptor build were all 5k apart. I use a broker and did not have any dealer markups. My reasons for choosing Tremor instead of F4X or Raptor knowing I was going to dump money into it anyways was
- 0% Financing offered on F150's that were not the Raptor was HUGE
- The V8 was a must for me. Long-term reliability, simplicity, sound, and the fact that mechanics are very familiar with the Coyote anywhere you go and parts are readily available.
- The 401A Tremor for 5k above a well spec'd F4X gave me a lot more in terms of immediate enjoyment right off the lot.
- Larger Tow/Haul capacity than Raptor. The long-term plan for the truck was to haul campers long distance and a UTV on the back
People have mentioned the width of the raptor and that's definitely a thing. The F150 is already wider than I'm used to coming from a 392 Wrangler but you get used to it after a few weeks either way so I didn't really factor this in.
The biggest thing I sacrificed going with the tremor vs raptor was that amazing Green color. I'll be adding a Torsen differential before the end of the year, so I wasn't about to pay an additional 11k on the tremor for that, and the 0% I got on the Tremor that I wouldn't have got on the Raptor didn't outweight other pro's from a Raptor, especially since the Raptor R with the V8 I wanted would've been above $135k out the door. I got my 25' 401A Tremor in SoCal for $67k MSRP.