I checked the Ram trucks website, and it lists the maximum payload for the Cummins as 1,970 lbs & max towing for the Cummins is 14,920 lbs. According to the website, the 6.4 max payload is 3,140 & max towing for the 6.4 Hemi is 16,870. You give up nearly 1,200 lbs of payload when you opt for...