Dually has the payload to handle pin weight. As an example our Dually has a cargo capacity of 5200 pounds. Our 15k gvwr 5th wheel has a pin weight of 3100 pounds. Add our aux fuel tank/tool box, fuel, passengers, dogs, small generator, hitch, wheel chocks and we are close to 5000 pounds of cargo capacity. A SRW would be over the cargo numbers for sure. I see many who do run over their trucks cargo ratings even guys with 3/4 ton trucks towing 3 axle toy haulers. Not here to judge others choices but for us we like the stability and cargo capacity of our dually.