If you exceed the rating on your TV. you increase wear and tear. In the real world you will often reduce the life of brakes, shock absorber, and is some cases the suspension. That said, anyone that farms or works construction knows that half, three-quarter and one ton are just suggestion.
If you make a few trips a year, a short distance, you would probably never know the difference. If you use it a lot, you either up grade or tolerate the added expense.
If you have ever driven a severely overloaded vehicle, you will not do it often.
However, one person's white knuckle ride, is another's annoying truck and wind buffets.
