2022 F150 Base $29,290 (tax credit $0) net $29,290
2022 F150 Lightning $39,974 (tax credit $7,500, possibly $11,500) net $32,474 (Your taxable income needs to be at least $46,000 to get the entire $7500)
"Premium" $3184 or about 6 months of gas
F150 ~ $.15 per mile for fuel ($3 a gallon)
Lightning ~ $.09 per mile ($.17 per kWh)
Looks like that premium will fade in less than a year of operating. Even sooner if you factor in things like oil changes.
As far as the range when towing going down, I'm not sure how you quantify "unusable." The range of the ICE also goes down significantly when towing, especially at max towing/payload. It's physics. I would not buy an electric truck to pull a camper cross country. I see the majority of half-ton trucks towing 1 person to and from whatever. I've owned 5 trucks and can count on one hand the number of times that I've towed something. YMMV