Don't have any experience with a Dodge truck specifically but I can tell you that, in general, you're looking at a hospital bill. I would expect to have to pay in excess of $2000 and I would not recommend you trying to do it yourself. Clutch disk itself is pretty cheap but you may also need a pressure plate (and throwout bearing, and pilot bearing). In all, just guessing, you will have $200 to $300 in parts.
You say it is a 4X4 so that means you've got a transfer case hanging off the back of the transmission. Transfer case plus transmission weighs more than 200 lbs. That means you will need to use a transmission jack (not a floor jack) to handle the xmission/xfer so you can line up the input shaft to the pilot bearing when you start back together with it. You will also need a pilot bearing alignment tool.
Clutches going out prematurely depends a lot on how you drive it. "Riding" the clutch, trying to get the truck moving in a higher gear than required are but just a couple of clutch killers. If you feel the clutch failed because of a factory design error you can have a custom clutch built that will last you as long as you own the vehicle and for not much more than the cost of a factory clutch.
Good luck to you. :(
