I must agree that the ultimate choice between factory P's and replacing with LT's does come down to how much you tow but..... The difference in performance is huge when towing and the ride quality difference when not, is negligible. Yes the LT's cost more and no they don't "have" to ride rough when not towing. I have never been impressed with the factory equipped tires on any vehicle. Bottom line the LT's did a better job, made me safer and cost a little more and safety is one area where I will not scrimp.
As always.... Opinions and YMMV. :C