Truck bed liners: drop-in or spray-on?

Truck owners, what is the best bed liner option these days?

1. Factory drop-in?

2. Factory spray-on?

3. Aftermarket?

Some of the trucks we’re looking at do not have a bedliner, and I’d like to figure out of I should get it done at the dealership and just finance everything, or deal with it later on my own.

Thoughts?

Edit - it seems most prefer spray in, and factory or aftermarket doesn’t make a difference as long as you go with a good brand. Thanks oppo!!