Every hemi since 2009 has a probability of lifter/cam failure which is noticably higher than industry average, that is the weakness of the hemi apparently. What's less certain is the "why", whether they are just more susceptible to dirty oil problems or whether the lifter/cam vendors have quality control issues, lots of theories out there.
Unfortunately, you have one of the "problem years" where it was even worse, somewhere around 2016(?) FCA redesigned the lifter and as far as I know that has mitigated the problem somewhat.
Have you done any used oil analysis reports? I'm curious what a report from Blackstone might say.
I'm not sure I'd recommend 0w-30, I've just tried that in my engine and for the past few weeks I've had a pretty significant increase in cold engine start noise over the 5w-30 that I was running before that, especially below freezing which is odd as I expected the opposite to happen given the oil weights.
As for trading it off; will you lose more than the 5400 in a trade? Probably, and then you don't know what kind of problems you're getting there either. If you like the truck and it has been good to you otherwise and you have low-ish mileage, I personally would fix it. Maybe
@Wild one knows a cheaper/better shop as he lives in your area.