Posters refering to payload over tow capacity are not being rude - they are giving sound advice. If you want to continue to focus on tow capacity, then it's your perogative. Ask any friendly car salesman for advice - they will say what you want to hear.
I understand you want your tow vechile to be comfortable for all involved and also as a daily driver, but THE MOST IMPORTANT thing is the safety of the occupants. With that in mind, perhaps you should re-read the entire thread and go from there. Sorry if that was rude, but your questions is being answered - you just seem to be tuning out the answers. Good luck.