I have struggled with the same issues - weight. I am surprised E450 is only Class 3? I thought E450's were up towards 16,000. I have a E350 ambulance with a 14,000 gvwr.
Things I have come to the conclusions of:
If you can pack everything in a Class 3 frame, you have more offroad advantages. A 14,000 lb. rig will get stuck less often and be easier to free than the same sized vehicle (say an F550) weighing 20,000 lbs.
And more vehicles will pass you capable of pulling you out with a lighter rig. And if they don't you have a much better chance of self rescue with a lighter rig. One other big problem is what that gvwr is rated for.
Example: A deuce and a half (not an expert) has a payload around 10,000lb. Unless you go offraod and the payload is cut in half to 5,000 lbs.
Point being, a domestic class 3 rated is designed for that gvwr ON-ROAD. Load it to capacity and then drive it off road, articulating suspension, etc, and something is going to break sooner or later - frame, suspension, etc.
I think you are right about not running right at gvwr, unless you are doing only highway and paved road driving (or good condition dirt).
Finances is the other determining constraint. Where I am at with the same chassis and same problem as you is being about 85% certain I am going to purchase a new chassis. There are some domestic cabovers in the class 4-8 range.
I am actually thinking thinking CDL, gvwr of 33,000lbs and a curb weight of 25,000-30,000. And then tow my baja bug behind it as I do not want to get 30,000lbs stuck in the mud and to access tighter places.
I don't know what year your e450 is or if selling it is an option, but you can get a cab over chassis for much less than $10,000. Pay $6,000 for a chassis, $6,000 for a brand new rebuilt diesel and you have a pretty cheap platform with a new engine.
But, I do know that if I take my Class 3, max out the gvwr and then off road drive it, something is going to break. Period.
It all depends upon your eventual goals. What you expect to do and get out of your rig and where you expect it to take you.