I'm not an expert by any means, but I am a farm boy with an engineering degree.
Advice 1 and 2 are both safe ways to operate. Tire pressure is always performed when cold (less than 1 mile driving and without the sun shining on them). The sun heating up a tire on your driveway can effect the pressure by more than 5 psi.
My advice is based on these two facts:
1) Under inflated tires don't last long and usually end their life in a catastrophic event.
2) Higher than necessary pressure, but not exceeding max pressure, will more than likely last until they wear out. However, they may wear out in the center first.
For these reason for SRW, I recommend max pressure. Worst case is the ride may be a bit harder than necessary and the center may wear out faster. An advantage is the sidewalls will have less flex which reduces sway and increases control.
If you are worried about the harsh ride, reduce pressure when not carrying the weight. However, I leave my tires at max pressure (80 psi) 99% of the time. I only carry stuff about 1/2 my miles, but don't really know until a few hours before. I'm on my fourth set of tires and they have all worn down evenly.