As everyone will chime in, most of the time your payload will be maxed before your tow rating. I'm between 90-95% of my tow rating, and the truck is working hard.
I've got an older GM 6.0 gasser with the 4spd tranny, and on the highway at 65mph, I'm normally in 3rd gear turning 3000 rpm. If it is really flat, it will hold the speed in 4th, but any incline and it is back to 3rd. In the mountains of North GA, and East TN, I've had a couple of hills that I got down to 1st gear, turning 4500rpm, and it would not hold the speed in 2nd gear. It does the job, but I feel I'm working it to hard sometimes. The next truck will have a higher tow capacity.