You can almost never have too much truck. Easy to find yourself driving something within an inch of its rated safe capacity. You can even beef up a truck with airbags & such.
All of this is worthless when you are in situation where the tail is way too big for the dog & you are looking out of the windshield milliseconds away from crashing into something & thinking 'I should have bought a bigger truck'.
All those $$ you cleverly saved by stretching the ability of that smaller truck won't add up to a thing compared to repair costs or, worse, huge medical bills & possible residual pain for years to come.
Choices. Lifes choices.