Well when it's good the more options you present for dispatch to utilize means you have a better chance of getting a job or a better paying job as you're equipped to do so. Today that is not necessarily the case as everything is down. I agree with checkout the past trip records for such vehicles to assess the advantages and disadvantages of each.
Now for the first part of what I said my s/t has a tailgate lift which is used little for the number of jobs but it also makes it desirable for a couple of customers as they utilize it. Nice thing about having it is that for the odd job where it was not requested, but had to be used to unload, we got a surcharge for doing so, making the job more profitable. So even if not taking the reefer see what equipment in the D would help you handle a greater variety of loads. Check cost versus income generated by having such. (blankets, dollies, pallet truck, load bars and decking capability etc).
Rob