I don’t think anyone bought air compressors and air bags for load, but the point remains that 19.5 wheels/tires are about the same cost as the difference between a DRW and a SRW. If you are someone who is going to change tires because you always do, then I’d also consider the 18s that have a 4080 lb capacity if your rims are 18s, and a DRW simply won’t work for you.
In my case, I had a SRW and Supercab because a DRW with Crew Cab wouldn’t work for me as a daily driver. I added 19.5s simply for more room for error, but I still carried the bare minimum when I had my SRW. If you can get by with a DRW, it’s simply easier to make it work and not have to worry as much about what you carry and/or be able to choose a larger TC.