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It would depend on the envioronmental conditions where you live. I'm in Reno where the humidity is low and rain/snow only occasional. I have used drop in under and over-rail type bedliners for years with the only negative being that the paint in the bed will get rubbed off on the contact spots. My new truck has a spray in type put in by the dealer, and it is very tough. They do it to all their new trucks but I think to have it aftermarket is about $250. Having had both, I would prefer the spray in because it is very tough and does not have the exaggerated ribbing on the bottom that drop ins do. If I lived in an area with high humidity or lots of rain/snow, spray in would be the only way to go to prevent rust problems. If you hauled lots of rocks or something like that, the drop in will prevent dings or dents better than a spray in. Hope this helps.
I have a spray in rhino lining in my 05 F-150 its realy nice. Its tough and it looks nice. Only draw back is its hard to slide things like coolers and stuff. You can evne get them to match the color of your trucks paint.
I have an '01 Ranger that I had a spray in done when I bought it new and the only thing that has damaged it was an idot fork lift driver who caught a pallet on the raised ridges part of the floor I took it back to Rhino and they fixed it at no cost. I think this is the greatest thing since sliced bread.
John