Have you gotten a copy of the lease and had it checked out by an Attorney with the background to analyze it and give an opinion as to its merits and flaws?
Here at this link:
http://www.johnchristner.com/drivers...gram/index.cfm
is a basic rundown on their L/O program. It seems somewhat average. The only thing that I would question is the "$1.00" buyout to get ownership of the truck. While things may have changed.... I can remember a time not so long ago that the IRS had a real problem with "$1.00" buyouts on just about anything you could name...especially big ticket items. I would think it would be a good idea to get a solid read on that, based on an amortization schedule reviewed by a CPA.
These things may cost a couple of hundred up front, but could save you thousands in the long run. If JCT has a problem with you wanting to do that, I would see that as a "yellow caution flag".