DaveInDenver
Middle Income Semi-Redneck
Sure, people have been over loading their Toyotas for 20+ years. I figure you have to view the truck as a whole. Toyota, like very manufacturer, makes assumptions based on what they think the market wants and know from history of buyers. A 4Runner has to ride well with just one person commuting on highways and handle it's maximum passenger and cargo safely but they don't necessarily expect their trucks to carry their GVWR constantly or comfortably on all weather and terrain. They aren't selling us commercial off highway utility trucks afterall.Everyone is so fast to upgrade these things these days before it's necessary
There's two things I notice about Toyota stock suspension. First it's relatively soft. It can handle a lot of weight but it's sitting on a huge overload spring to do it. Second is that every Toyota I've had handled terribly on washboard no matter the payload (which I admit isn't a huge sample size, 1991 Pickup, 2008 Tacoma, 2005 4Runner). So there's more to suspension than just an X vs Y weight calculation. You might not even increase your cargo capacity but upgrade suspension so that your truck handles better where you actually use it.
I agree with you that it probably shouldn't be the first thing you do. Put in the seat time, really see what you need, if anything. But at the same time don't think Toyota has some magical powers and makes trucks that do everything perfectly. Match the suspension to the use.
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