Since the 5500 is for personal use, I have no additional annual inspections or license requirements and no mandatory weigh station stops. I pay more for my declared GVWR with my tags and am fine with that since the heavier truck causes faster road wear. Insurance is through a commercial insurer due to the GVWR of the vehicle, but is a personal use policy. Having a pickup bed or fifth wheel hitch installed would have reduced the insurance cost slightly, but it would have taken a few years to recover the the cost of something I really didn't want on my truck anyway.
Right now, I have 4000 lb TC and tow an 8000 lb enclosed trailer at the same time and the truck is completely stock. I comfortably did the same with my F250, but it required suspension and wheel upgrades to do this safely.
