I've been scared of that exact scenario in my '03 Beetle TDI... It's not sexy but it's paid for and with my driving habits I still manage a solid 43mpg overall average which is handy for a 50 mile round trip to work. Left to my own devices, NOT in traffic and in B.F.E. I could probably hit 53-55mpg...
However, it's rather low to the ground and there are a few NASTY spots on K15 which I regularly travel that are hell on my car's alignment. There ARE certain advantages to driving a truck daily, I just can't afford to do so.