Is that a thing where he lives? I've never once been pulled over and asked about payload. An accident...unless were talking commercial vehicles or hes GROSSLY overweight that wont be a factor.
As far as higher rate springs, add'l air bags,etc not increasing payload; that's debatable depending on which google article u want to reference:
HERE
It's his 1st truck I think right? I'm just trying to inject a little real world experience so he knows that 200-300 lbs isnt the end of the world for him. In the end, I'm not arguing, just hate to see him sacrifice a 50# Pano for no reason (which my kids love btw as they feel they finally have their own sunroof)