You don't need any of that, obviously. It really is best to save that word and you'll better appreciate that you can have things way, way beyond what you need rather than living in this eternal state of "barely getting by". It's all in your head. It's completely up to you if you want to be rich today.
Need is almost always relative; if your house is next door to a 24 hour gas station you don’t meed to have a bathroom in your house as you could walk next door and use the gas station’s - but most everyone would feel this was a bit insane.
It might be more instructive to discuss what missions a particular vehicle or vehicles enables.
I also need 5k towing a few times a year.
I do have a 2nd economy car, and I like driving smaller cars anyway, but having one big car is nice.