1/2 ton SAE J2807 tow ratings

I'm okay with the manufacturers tow ratings, but I think there should be two ratings published. One rating with only the driver, as done today, and another with each of the seats filled. That would give a better representation to the American consumer. I was just as naive when I bought my first truck and subsequent trailer. Had I known the effect of payload on tow rating I would have bought the right truck the first time.