I’m not saying payload capacity should be completely disregarded, but the way manufacturers calculate it doesn’t transfer in the real world. I’m guessing it has to do with them not testing every version of the truck, so they do it via spreadsheet.
Typically the 2wd regular cab trucks are the lightest weight, and therefore have the highest payload and tow ratings, as they are based on GVWR and GCWR minus curb weights. Anything you add to the truck reduces that on paper.
Say that F150 is rated to tow 13,000 lbs, where the Crew Cab 4wd option is rated to tow 11,000 lbs. Add some load range E tires in stock size, a rear sway bar, toolbox in the bed, and the longer truck should be de-rated to even less.
Now put 12,000 lbs behind each truck and see who handles it better, anywhere besides a timed run pulling up a straight level hill with no wind. Longer, heavier truck will do it better every single time, as long as the COG isn’t too tall. A 6” lift with 37’s and 4 loaded Pelican cases on the roof rack aren’t the same.
The simplest way to get both good towing/hauling and off road comfort is going to be something like a BFG A/T running 60 lbs on the road and 35 lbs on the trails. I have put plenty of trucks places they had no business going, and 95% of the guys that hand wring about off road performance and packages are scared of getting a scratch on their vehicle.
The limiting factor besides driver skill on anything with 33”+ all terrains and a rear traction aid is accepting body damage, and arguably length in some situations. If you’re not willing to risk rolling your vehicle with your family inside it in the backcountry (which you shouldn’t be IMO), just put some tires on it and learn how to drive.
It’s the classic backpacking example of “carrying your fears” where guys have a rain jacket, a poncho, two knives, a hatchet, 3 extra layers of clothing, a military style first aid kit, 4 flashlights, a main stove, a mini backup stove, etc.