The whole payload thing is completely a joke and not something I would pay a whole hell of a lot of attention to. If you are going to haul or tow heavy with these trucks you have to do two things, ditch the squishy P rated tires for E rated tires and add air bags to assist the rear coil suspension. I think the coils are the weak link in payload , ever since they started putting them in 1500’s and 2500’s the payload went to **** in exchange for a smoother ride. The safety nannies will tell you to never exceed what the sticker in the door jamb says and that’s ridiculous, 4 grown men, a bed full of camping gear and a smallish travel trailer will put you over the payload rating in 3 seconds flat, it’s not worth even looking at.