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The second you haul your first load of field stones, or stack of plywood your truck bed will start its rough life picking up scratches and dents from doing its job. When it comes time to sell your truck, you'll get a better price if you've protected your bed with a truck liner. Some bed liners are even brushed on, adding a permanent 'hard candy shell' which will repel water, chemicals, and even dog slobber.
You also need to protect your truck from the rain water and from puddles of liquid which can develop into pockets of rust. Just as you invest in something like Husky floor liners for your cab, invest in a bed liner and protect your investment.