At the end of the day, YOU are the only one who can make the decision on whether or not YOU are willing to exceed weight ratings, and by how much.
If you want to find someone to justify your decision, you can find half a dozen people or more, that can convince you both ways. If you want someone to convince you that you need a bigger truck, they are out there. If you want someone to convince you that you are okay, there's those folks too.
Having gone through similar evaluations myself for my TT, I did the math myself. Asked folks if I missed anything in the math, and then made a decision. The figures don't lie. I would prefer to have comfortable margin, so if I stop to get a Big Mac to go, Im not overweight.
Mike