Don't rely on the mfg payload charts. The Ford catalog rating for my F350 DRW was well over 6000 lbs payload. After all options, delivered payload door sticker is 5210 lbs, plenty for me, but my point is don't rely on catalog. Look at door post stickers on dealer lots and you'll get the feel for what to get. Also, using generalities for the pin weight can throw you off. My 5vr pin weight at 20% of GVWR would be 2800 lbs; but my actual based on scales after loading for full time is closer to 3200 lbs. I upgraded my trailer axles & tires to be safer.