Great Tow Capacity - Bad Payload Capacity... Increase PL?

The long and short of it is, you can put higher-rated tires on it, and shore up the suspension with aftermarket parts to handle the weight.

No matter what anyone says, that does not change the numbers assigned by the manufacturer, but you're planning on ignoring those numbers anyway, so who cares?

What you're really asking is if someone else will take the blame if something happens. The answer to that is no. It's all you.