2020 Ford F350 - XLT or Lariat / options guidance?

Double check with your new DMV office.
They can't force you into commercial registration if you don't want it.
Nevada doesn't have commercial registration for pickups at all, so each state can have quite different laws.
Probably also better to call DMV hotline as local clerks don't deal with such issues very often and per my experience - they don't hesitate to give you wrong information.