Payload definitely matters, depending on what else you plan to carry. My 30’ Airstream had a tongue weight of 1250 pounds.
Then you are likely in the right forum. MOST half tons have at best a 1500 lb or so payload. Both my Ram 1500's were in the 1200 to 1300 lb range. That was fine with my pop up and then 20 foot travel trailer, but then I got the 28 footer with slide. I am running around 1000 lbs tongue weight now. That seems OK right? I'm good to go? Nope, pretty much to stay within range of my payload I essentially could not use my truck bed as the dogs, passenger and other stuff pretty much put me right at my payload or a bit over... So, technically I'm good to go and actually, the 1500's did tow it OK 98% of the time. But, its that 2% that then requires you to function at a much higher level of awareness that when you have a 2500 where it is ALWAYS in charge, planted and well set up.
I see lots of people who do NOT understand payload either through misinformation, ignorance or the salesman who tole them they could tow the empire state building. Before around 2015, the truck manufacturers pretty much just made it up with the marketing pukes not the engineers making up the numbers... They pretty much said you could haul a semi-trailer with any half ton to slightly exaggerate. But then all the manufacturers agreed to a standard and that is from the Society of Automotive Engineers "
Performance Requirements for Determining Tow-Vehicle Gross Combination Weight Rating and Trailer Weight Rating J2807
And that is what your payload numbers now days are based upon. This Motortrend article from 2015 discusses it when it first took effect.
https://www.motortrend.com/how-to/1502-sae-j2807-tow-tests-the-standard/
These are the key points with the standard being tweaked multiple times since 2015.
- Climbing: Trucks drive 11.4 miles, rising 3,000 feet with the air conditioner on. Dually trucks must maintain a speed of at least 35 mph, and standard pickups cannot go below 40 mph.
- Acceleration: How well a truck can accelerate plays into how well it can pass while towing. Four-wheel vehicles have three marks to hit — 30 mph in 12 seconds, 60 mph in 30 sec and go from 40 mph to 60 mph in 18 sec.
- Launching: Launching refers to how quickly a truck can move a load from a complete stop. While moving up a 12% grade, the test vehicle must climb 16 feet forward and backward five times in five minutes or less.
It assumes and deducts from the GVWR and you don't see this when you look at your payload numbers from like a VIN check on the Ram tow rating site. These bullet points are already figured into the number.
- For light-duty full-size pickups (GVWR < 8,500 lbs.), SAE J2807 assumes that the tow vehicle includes any options with higher than 33 percent penetration;
- It assumes there is both a driver and passenger in the vehicle, each weighing 150 pounds;
- It assumes that tow vehicles also include up to 70 pounds of aftermarket hitch equipment (where applicable); and
- For conventional trailer towing, SAE J2807 assumes that 10 percent of the trailer weight is on the tongue.
- It assumes that all fluids are full including a full gas tank
So, IF you have let's say a 1200 lb payload, it is assumed you have a full gas tank, and other fluids, two 150 lb people in the truck, nothing in the bed, and a 70 lb hitch. From that point forward, you are eating into your payload numbers... So, I'm ready to go with a full tank of gas. I weigh 200 lbs and my wife weighs 130. That means we have 30 lbs off of our payload and are now down to 1170 lbs. We have big dogs that weigh 200 lbs in the back of the cab while towing and so now we are down to 970 lbs of payload. I have a fifty lb set of tools in the bed at 50 lbs and so now am down to 920 lbs of payload. My propane tanks on the trailer are full and two new batteries and my tongue weight is 900 lbs on my 28 foot travel trailer. So, now I'm down to essentially 20 lbs of "available" payload left. And, my WDH hitch weighs more than 70 lbs, I promise. Add the dogs food and toys and water, coke, chips, maps keys etc. So essentially, with practically nothing in the bed, I'm at my payload and a bit over on a quarter ton pick up with a VIN based search showing my payload is 1200 lbs.
See how fast you can eat up payload? So, you got those 4.10 gears in the rear diff right? Well, that don't help payload. It might add 2K to your max tow rating, improve your drive a bit in the mountains make the truck work a bit less overall, but your payload is still the same...
Now you say, well, that's OK, I'm essentially within specs as my max towing capability is 13,000 lbs. I'm good to go and hey I'll empty this gas tank fast and get myself back under payload within 50 miles for sure... Technically you are correct. But also, you are pretty much at max as you take off. This is how I figured my towing with my 1500 trucks. Now, as I take off, I ALWAYS know that trailer is back there. It "tugs" on the back of the truck. Nothing big mind you, just lets you know its there ALWAYS. I look back while driving down the highway and the ass end of the travel trailer, well you can see the corners as the wind blows or you change lanes...if you know what I mean but really no problem. I'm within specs now 30 miles down the road and 3.4 gallons of gas and its weight gone. Now, living where I do, and the interstate I usually drive down I have this one point coming down Boulder pass (A small pass south of Helena MT) heading south but I KNOW there is this one point as you go down into the valley where consistently you get this big gust of wind and you can pretty much count on it. Well, 3 to 4 times out of 5 it hits as I head down into the valley. I know its coming so I wait and it hits, the trailer like a sail takes the gust and jerks back and forth for a second or two then I'm fine. But I also know that on this 1800 mile trip I will also have at least a few more similar situations that I will NOT know are coming. So, for 98% of the time, I'm fine but for that two percent of the time, the trailer for just a second or so is in control and so, I have to drive with that always at the back of my mind. Every second I take my eyes off the road, yell at the dogs, talk to my wife, if I get hit with that gust of wind or huge truck gust, I have to be ready to maintain control or I'll be a tic toc video of how NOT to tow a trailer. And so, you can never relax and are always at a certain even though minor it goes on for 6 to 8 hours level of "control."
You know when you are in your 30's, you can do this and hardly be phased but you may also be putting those kiddies in the back of the cab at a certain level of "risk" and that needs to be considered. Reach sixty years or so and it isn't quite the same... And so, I traded in my new 1500 and got my 6.4 Hemi, Laramie Ram 2500. NOW, I got 3,000 lbs of payload instead of 1200 or 1300 lbs in the 1500. If I had a Cummins? Well, I would only have around 2,000 lbs of payload as I would lose around 1K lbs on cast iron in that engine block. Sure enough, but now I'm also worried about emissions and how low is the DEF... and hundreds and hundreds of bucks on an oil change...
Now, with 3K lbs payload, I can put the generator in the bed along with some other stuff and am still a thousand lbs under payload capacity. I got more power and 3.73 gears with my 28 foot 7,000 lbs travel trailer and a heavier duty, well pretty much everything including payload. I got more steel between me and the world sitting up high... I put Good Year Endurance tires with stiffer sidewalls replacing my china bombs and a Road Armor suspension on the trailer and now the whole entire set up is "PLANTED" in a way the 1500 NEVER was. That gust of wind? The set up just shrugs. I never see the back corners of my trailer and sway doesn't even take that first wag setting you up to over correct and cascading to a crash. I can relax at a level I NEVER could in a 1500.
AND, that is why I love my 2500 gasser.