you can get a simple tune from someone like lextech and get the EFILive scan only which will do all the diagnostic stuff for much less, and you can add the tuning capability to it later if you wanted. the scan only version (does all logging and diagnostic stuff for an unlimited amount of vehicles, you just can't re-flash the PCM with it) is $499.
as far as HPT nickel and diming you, vehicles can use anywhere from 2 credits to 4 credits just to tune that one vehicle (EFILive uses 1 license per VIN regardless of what vehicle it is), want to use a custom operating system for boost or anything else? that'll cost more credits to use, and you'll have to pay even more depending on how much functionality you want, (EFILive custom operating systems are free and have full functionality on all of them even beyond what HPT offers), the HPT standard kit does not allow any external 5V inputs (like a wideband or EGT, or anything else) so if you want that you'll have to pay to upgrade, and even then it supports only 4 analog inputs (ALL efilive v2 hardware (even the scan only version) supports digital and analog inputs and has: 4 X 0-5V analog inputs (can be used for analog wide band integration), 2 X K-type thermocouple inputs (used for logging temperatures), 2 X 12V digital inputs (used to detect voltage/no voltage conditions), 1 X RS232 serial input (can be used for serial wide band logging or real-time data input/output with dyno controllers and/or other data loggers), and even though you're not going extreme with the build, a wideband input will be a STRONGLY encouraged addition for correcting the VE tables). remember that even though you're not going to put in a monster cam or something extreme, any cam change will require a remaping of some tables to correct for the different airflow characteristics.
then there are the differences that have already been mentioned. although a small correction to great white's post #7, HPT does datalog, and I believe it does read codes, but Im not sure on running system tests or bidirectional controls for diagnositcs, where I know EFILive does all that.
What year is your truck? if it's not a 98 or newer, you'll HAVE to do a 411 swap anyways since neither program will support the 96-97 PCMs. and even if you are a 98+. you'll want to do a 411 swap anyways, its cheap, easy, and significantly better than the blackbox PCMs across the board, especially if you're planning on doing some of your own tuning on it.