'Tis a quandry. If you can afford what you want to do, do it. The basic law of TC's is
always buy more truck that you think you will need. I was trying to remember anyone on here who said, "I have just too much truck for a TC." Well, maybe Less Stuff would be the exception; as he makes it a point to travel with a cap on a striped down one series.
The biggest difference ( and weakest link) between a SRW and a DRW truck GVW is the combined capacity of the tires. Six tires have more load carrying capacity than four. However, to find a way around that you could go with 4100+ pound, G- rated tires, on a SRW, or if you never get off-road, 19.5's with narrow sidewalls. With the stiff sidewalls, and stiff carcass you get less deflection from a side wind.
Further, you can keep going up the truck food chain and consider a 4500 or 5500 for all purpose use. The main difference here is a stouter frame, bigger brakes, stronger axles with lower gears. The downsides are higher registration cost and lower mpg.
I cannot answer to the SOS (chuckle) as I am afflicted with DAPOD (drive any piece of dung) and consequently my truck and TC will be worthless when I'm done with them.
Good luck in your quest for TC/TOW/DD equilibrium. Your job is to find out if that even exists in one package.
jefe