Two things. First, the time of friction is important. Pretty much all friction points with vehicle ownership are distributed throughout the year, *and are amortized across all uses of the vehicle*. When you want the vehicle to haul the mulch you press the button and you get bacon. Contrast with renting a truck to pick up mulch, or renting a restaurant for a party, or putting your parents in a hotel. Those friction points happen every single time you want to do the fun thing, and happen when you want to do the fun thing. Press button, pay tax, *then* get bacon. There's a big psychological difference there.
Second, I think you're framing it as {truck + self pickup} vs {no vehicle + delivered}, but I think the more likely comparison is {truck + self pickup} vs {sedan + delivered}. Nobody's going to get a truck as their only vehicle that they'll literally only use a few times a year. They'll be choosing between truck and sedan as their daily driver (or truck as second vehicle). In the replacement case in particular (truck vs sedan) the friction delta is very small.
Second, I think you're framing it as {truck + self pickup} vs {no vehicle + delivered}, but I think the more likely comparison is {truck + self pickup} vs {sedan + delivered}. Nobody's going to get a truck as their only vehicle that they'll literally only use a few times a year. They'll be choosing between truck and sedan as their daily driver (or truck as second vehicle). In the replacement case in particular (truck vs sedan) the friction delta is very small.