Wrong on most counts, sorry. A nicely equipped Ecoboost F150 actually costs more than the Raptor. MPG is better than the 5.0L, no worse than the other 6.2L models and there's really no fair comparison to the fuel sipping Ecoboost V6. The Raptor is just an F150 with suspension on steroids (and a few extra body pieces) so it is absolutely no harder to work on than any other F150. Probably easier, in some senses, and definitely easier than the Ecoboost models.
Insurance on my Raptor is only about $20 higher per 6-months than a loaded non-Raptor F150 too. While technically that means insurance is higher, I don't consider it to be even worthy of discussion given how miniscule the difference is.
I think you're just kind of assuming some things without any real basis in fact. The Raptor wouldn't be my first choice for an around-the-town vehicle if I was looking for economy, but I don't think any of us who bought them did so for that reason anyway.