I find an under powered, correctly speced payload ability vehicle is better than a correctly to overpowered, barely correct payload ability truck. Obviously I hope, a correctly powered, correctly speced payload vehicle is best. If the first two options are my choices, I've found the first option typed is best! Especially if I correctly set it up with the best tranny option, and gears in axels. I've had one or two powered correctly motors, but the gearing in the trans and axels did not allow said truck to go up steeper grades.
It is not just a single what are you over or under for a tow rig.
marty