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I have been considering getting a diesel truck, possibly a Ford, and heard a lot of warnings about dirty diesel, without an explanation of why it is such a big deal. Can someone enlighten me? I gather you want to buy diesel where a lot is sold. In a city that seems like a hard thing to know....
I don't know what city you live in but I have driven diesel Ford pickups for 25 years and have never gotten dirty fuel. I always get my fuel at truck stops. My last truck (86 F350) had 450,000 miles on it and my current truck ('02 F3500) has 260,000 miles.
These trucks are very reliable. When you know how a diesel works you realize just how simple the engine is. With a gasoline engine you have to control the intake air, the incoming fuel and finally the spark. With a diesel all you have to control is the fuel. Cold weather does present a starting problem but good glow plugs will help immensly or plugging in thr crankcase heater to your house power.
Diesel is dirty, that's a fact. It's less refined than gasoline and is hydrophilic, meaning it attracts water. Your fuel filter should remove just about any dirt or foreign matter that's in the fuel, but a water separator is "recommended" ... though how big of a problem water in diesel is nowadays is open to debate. I've owned almost a half-dozen 1980s-era diesel Mercedes, and not one of them came with a water separator stock.