nickw
Adventurer
Like everything in life there are extremes and nothing is absolute and manuf ratings use design principles like "factor of safety", which is not an absolute end all be all, it has assumptions built into it. Manuf rate trucks based on typical duty cycles and use cases, they are not designed for pre-running baja with a 25,000 lb goosneck trailer even though a 1 T truck is rated to tow it, technically....so you can be under capacity and still destroy your rig.The problem with payload and towing numbers is that people take them as an “end all, be all”, partly because the manufacturers present them that way to get sales.
If your payload is 2,500 lbs, you can do 1,000 miles of pothole/washboard roads in Baja loaded to 2,499 lbs with zero problems, but if you are at 2,501 lbs running 55 mph down a smooth paved 2 lane road the frame is going to break in half…
It‘s more like “how heavy of a backpack can you carry?” From here to the end of the driveway? A mile? 8 miles through rocky terrain at 10,000 ft? There are no ”absolutes”.
My 2003 Silverado 2500HD has a payload capacity of 3800 lbs.
A 2020 F250 CCSB has a payload capacity of 1800 lbs.
I’d be willing to wager the newer truck will handle the same weight better, even if it was overloaded by 100%.
But it's an upper limit for use in most cases and the line has to be drawn somewhere.