Car Question about frame damage

Friday I hit a deer in my Jimmy, and just got the estimate for repairs. To my surprise the shop is saying the adjuster wants to total the truck, and that the frame is bent.

I'm surprised because the damage to the truck wasn't that bad, the front grill and the right headlight were taken out, there was some denting to the front hood and right front side at the front, and the bumper cover had a 1 inch split in it. That's about it. Very minor to look at.

The truck is a 2000, with 95,000 miles on it, and it's in pristine, and I mean pristine condition which is why I bought it about 4 months ago.

On the outside, there is not so much as one door ding in the body, and the paint is as glossy was a brand new car.

The interior is the same, the dash, door panels, etc look brand new, the carpet has absolutely no wear, stains it also looks new.

On top of all this, a few days after I bought the truck the tranny went on it, and because it was still under the dealers warranty I got a new transmission

I say all of that to say I don't want to get rid of the truck


I drove the truck all weekend after the accident, and it drives fine, tracks fine, no shimmies, shakes, no pulling to one side or the other, which makes me surprised that the frame is bent, drove just as well after the accident as before it.

So here's the question.

Assuming they total the truck, what are the downsides of just taking the insurance money and fixing the headlight, hood, and other cosmetics and driving the truck as is while leaving the frame as is? And in the alternative, what are the costs/downsides of having the frame straightened?