I'll keep this short. I've had several diesels including recent 20 & 21 DMax 3500's. Both were very reliable and never left me stranded. The only issue was a DEF heater problem on the last one that had the truck sitting at the dealer for a month waiting for the part. I'm in MN too and never had a problem in cold weather with the diesel, some nights double digit below zero.
My current truck is a 2024 Gas 3500 SRW HC. It was a bit of a transition going from the diesel power but I've grown to really like this gasser. Plenty of power to tow what you need, just won't get up to speed as fast as the diesel. The 6.6 is reliable and far less to go wrong than the diesel, one of the main reasons I have it. I'll be honest though, I tell myself that to keep from going back to the diesel! lol
I tow quite a bit and the 6.6 gas with the 10spd has been awesome.
My opinion, if you're not sure and don't really need the diesel, save the 10k and get the 6.6/10spd..you won't be disappointed.