With my TT and F250 I've been right at Max payload before, but well under my axle ratings and tow ratings. Maybe because it's a Diesel but the truck handles and pulls/Stops excellent. I set the cruise at 65 and cruise for hours, we even pulled off a 13 hour day last year. If the truck was constantly shifting or I actually have to drive it over every hill then it would be a different story. I guess what I'm getting at is, depending on the truck towing at max ratings could be fine or exhausting.