My payload is 3400 lbs although when camping I load up about 750 lbs of passengers so I would only have about 2650 for pin weight. If you work out your speed range in the various gears you will to see why the manufacturers choose the axle they do for the tow rating they make. If you are only towing a 15000 lb trailer my guess is that Ram recommends a 3.42 rear axle ratio ....go with what they recommend. Ford gives you a choice of 3.55 or 3.36 in the srw and they put a 3.73 axle in the dually. If you want the larger, 20 inch wheels on the SRW you automatically get the 3.55 gears. In my opinion GM and Ram have pretty much caught up to Ford....I'd buy the Ford for the tow mirrors and the incredibly quiet cab. I'd like to know if one of the trucks does better on fuel than the others? The way I use my truck I burn 18.5 liters per 100km. So in 300,000 km I will have spent about $67,000 on fuel.....saving 10% on fuel is significant.