That said, I prefer to be much closer to the load rating with the TC on our personal truck.
1. Becasue my overloading follies on work trucks are relatively local driving and typically pulling a trailer, where a rear blowout is not as much of a safety concern or inconvienence.
2. Because the nature of hauling a TC being very top heavy puts significantly greater short term tire loads on due to the location (height of the load)
3. I don't care about my company truck rims (if I save $1500 I trucking fees compared to a cheap rim and tire replacement if I have an issue). Economically it would have still cost more than the blown tire to use another option. (Yes, logistically, there are other solutions, but when you're juggling the logistics of dozens of different things daily, the priority of my work truck tires is pretty low on the list.)
4. Loosing a back tire doesn't really scare me from a safety standpoint. Others experience or opinions on this one may certainly differ.