A pretty certain bet, is that the OE tires (unless things have changed) are generally the cheapest tires you can find. Notice I didn’t say weakest, as with very few exceptions, a particular size and class of tire is rated exactly the same regardless of brand or model/tread.
If you’ll sleep better knowing you have heavier tires, spend the money, but go ahead and get 285-75s for 4000lb capacity.
You’ll lose money even selling the new takeoffs. New tires will cost you about double of what they’re worth.
Regarding running the tires you have at max load or even a bit over, that doesn’t bother me one bit. Have done it many times, many trucks, many miles. Hell, I’ve pumped up P rated tires to 55-60 psi to stiffen them up when towing more than one should with a half ton on little OE cheapo tires.
I would t go out of my way to buy cheaper lighter tires, but I look at it this way, and many will argue. Tires (rims, anything that keeps a truck rolling rubber side down) have to have a significantly large factor of safety. (Again those in the know will tell you they are only rated to full stated capacity blah blah blah). But the liability is HUGE for mfgs for vehicles like trucks that are basically bound to be overloaded. Otherwise there would be blow outs busted rims and carnage all over from the masses that overload their trucks regularly. Mfgs don’t need that direct and costly liability, so there is more capacity than published.
Unless I wanted “nicer” tires, I’d run em.