My opinion is free, and it's worth every cent:
If you want a 1000 lb/ft engine and $$$ is no object, go with a Cummins.
If you want a reliable, good-running diesel that will get you and your trailer/cargo/whatever where you need to go, go with what Ford put in your truck.
However, at some point I think a Cummins swap would be a great project, but not because I need a 1000 lb/ft motor. Just for something fun to do.
If you want a 1000 lb/ft engine and $$$ is no object, go with a Cummins.
If you want a reliable, good-running diesel that will get you and your trailer/cargo/whatever where you need to go, go with what Ford put in your truck.
However, at some point I think a Cummins swap would be a great project, but not because I need a 1000 lb/ft motor. Just for something fun to do.