How about this, then. The Tacoma with a 3k lb load will stop faster than a F250 diesel with a 3k lb load... because the F250 is much heavier. True. So getting a bigger truck makes it more dangerous to others.
Can you send proof of that?
As an engineer, here is what I think: more weight increases the downward force on the tires which increases the coefficient of friction. You will have more grip on the F250 as a result, so the braking power is what will make the difference.
If you double weight, you get approximately double the grip (it's not perfect, friction per unit weight decreases as you add load of course
) but you also need approximately twice the breaking power because inertia doubles. Since these scale together, braking capacity is your factor. Also, brakes must convert kinetic energy into heat. More weight = more energy to dissipate. Undersized brakes for a specific load will overheat (fade).
Try to take that Tacoma with 3000lbs load down 10 miles of steep downhill and let me know how it feels when you rear end a family because your brakes faded so much you might as well not have had brakes. That's also when that V8 Diesel will help you with engine brakes, compared to that poor undersized Tacoma engine doing what it was not designed to do.
So the more weight you add to a Tacoma relative to its stock weight, the more it will stop slower in comparison to a heavier vehicle such as a F250 to which you add that same load, assuming that heavier vehicle has larger brakes (which it does).
Is that limit crossed at 1000 lbs, 2000 lbs or more I cannot tell you. We would need to know exactly how much more braking power a F-250 has versus a Tacoma and then it would be easy to calculate the point at which it becomes safer to switch vehicles.
Personally, I would much rather drive a F-250 under GVWR, than a Tacoma thousands of pounds over GVWR, to go downhill a mountain (which anybody overloading does at some point).