Trying to understand payload

I think I am just a little dizzy thinking here. I don't tow the trailer often or far. When I do tow it, it goes twenty miles this way and maybe a 100 that way. Goes only a few times a year. I don't want to give up on the Tundra because I could really use it as a nice second vehicle in snow country. I got stuck in my all-wheel the other day and thought how nice a 4 x 4 truck would be.