Max Cargo, Max Cargo, Max Cargo, it varies with accessories and is printed on the door jamb for each truck.
My 2011 E-Boost 4x4 with tow package has a towing capacity of 9500 lbs.
But with all the options it has a Max cargo of 1411 lbs. That comes too; two adults and dog, 500 lbs, TT tongue weight with WD hitch 500 lbs, truck cap 200 lbs. tools and toys 200 lbs. plus.
I am at or a bit over the Max Cargo but the unit pulls the TT with no troubles. It also has the power needed to pass another vehicle. That said I usually tow at 60 mph and I get 10 mpg plus or minus a bit.
Anything heavier than a 500 lbs. WD hitch tongue wieght and I would go with an F-250 or at least figure how much over the max cargo you are going to be.
Anyone that farms or works construction know what occationally overloading a 1/2 ton is all about. It is to you to decide how heavy you wish to load your truck.