Hoot, first off, you're right, "Material things can be replaced". Really poingnant if you've ever lost anything that wasn't material.
I can't believe that they would even consider a frame replacement on your truck!!! Your truck's really nice and all, but that is going to cost a TON of money to change that!! Seems like they would total it at that point, not necessarily want you want to hear either.
About 3 months before I bought my truck I bid on a truck at a salvage auction that was BRAND SPANKING NEW, never titled. Still had the window stickers in it. It was sitting on the lot, and someone lost control of a vehicle on the street hitting this truck, and then pushing it into the truck sitting right next to it. It looked like the front end had been smashed in a vice from both sides. The insurance company totalled this truck, and we figured it had somewhere in the neighborhodd of $10,000 damage. Ironic thing, this salvage truck was identical to yours, except it was a Chevy.
The frame alone is going to cost a few thousand +, let alone the labor to change it. Insurance companies are really funny.
Good luck.