op wrote:
Also Ford claims that the max 5th wheel towing for the F250 diesel is 16,500 lbs and its max payload us 3120. So do I really need a 350/3500? Don't get me wrong, I'd consider one, I'm just asking. I would think that the 350/3500 ride is more harsh.
No doubt the F250 6.7 diesel can pull that size trailers but like all 3/4 ton truck their limited by those small 6000-6500 lb RAWR which equates to 3000 lb in the bed payloads.
The F250 won;t have issues towing 16500 lb as its the same engine/tranny front and rear axle as the F350srw truck. The F250 with the heavy service or camper package has the same spring packs as the 350 SRW. A 16.5k trailer can have 3500 lb pin weight which can over load the trucks 6200 RAWR.
Fords 16.5 lb tow rating is for all types of 5th wheel/GN trailers like a 16k GN or 5th wheel hitch flatdeck trailer. The trailer can be loaded in such a way to keep the hitch weight within the 3/4 tons 6340 rawr. This isn't possible with a 16k rv trailer with pretty much a fixed hitch weight.
The newer gen 3/4 ton truck have no problems safely carrying hitch loads from 12k lb 5th wheel/GN trailers.
Now if you feel the need to use a gvwr based payload then its also safe.
250 vs 350 ride quality. I would drive both and you decide if either is acceptable.