Payload is not going to be an issue, even going with a 12K GVWR FW, as it is the RAWR/tire rating that matters.
Yes, the newer Ford HDs sit tall, and can be an issue, if you purchase a FW that is refered to as 1/2 ton tow able. In many cases, the larger the FW, the more apt to fit the taller trucks. Most hitches adjust up/down, some more than others. The pin box can be raised in some cases to help also. However the trick is to tow the FW level and maintain 6 inches of clearance between FW and truck bed rails.
A 2WD may be a little lower, but probably not enough to matter, when comparing to 4WD. It would be hard to tell on FW pin box height, without actually measuring yourself, or have a trusted sales person do it. Keep in mind, the truck will squat a few inches with 2K pin wt over rear axle.
Jerry