I'm asking for opinions

With a wiring harness fire it is almost a given they will total the truck. We bought a hard loaded Surburan and just the wiring harness was $2500 from GM. Do a deal with the insurance company and keep the truck. I don't know about Florida but here in Oklahoma you don't even have to give up the title if you keep the truck. Find a good used harness and put the truck back together. Be sure to take it to your insurance company and show them that it is fixed. I have bought back every vehicle in my immediate family that was totaled and fixed them if they were worth it. If they were beyond fixing then I used the motor and tranny in something else.