Payload "capacity/rating" - not even the OEM's agree?

There are two things that bother me most on this site, of which too many jump on the band wagon and become self-proclaimed experts repeating the same thing over and over until it becomes gospel.

I don't understand why you would think that erring on the safe side is something that bothers you. I would think a prudent person would encourage it. Even the Bible says that there is wisdom in the counsel of many.