I LET MY DRIVERS DECIDE THIS. IF YOU ARE THE KIND OF DRIVER TO IDLE THE TRUCK A LOT, THEN TAKE THE 40% AND DON'T PAY THE FUEL. NOW YOU MUST REMEMBER THAT IT'S GONNA BE SLOW FOR A FEW WEEKS/MONTHS, SO YOU MIGHT BE SITTING MORE THAN USUAL. IF YOU CAN START AT 40% AND CHANGE IT LATER ON THEN I WOULD DO THAT. 4 OF MY 5 DRIVERS TOOK THE 60% AND PAY THE FUEL, AND THEY ARE MAKING BETWEEN $750-1200 WEEK. THE ONE THAT TOOK 40% IS MAKING ABOUT $725-800 WEEK. IF I WERE YOU, I WOULD TAKE THE 40% AND NOT PAY FUEL, IT'S THE SAFER OF THE TWO. GOOD LUCK:+