After entirely too much research and trying to predict the future, I finally conceded HO is the way to go and have a quote that seems pretty good:
2021 RAM 3500 LARAMIE MEGA CAB 4X4 6'4" BOX
--- 6.7L I6 Cummins Turbo Diesel Engine - High Output
--- 12-inch rear axle / 4.10 ratio
PAR Maximum Steel Met. Clear Coat
*GJ Leather Trimmed Bucket Seats
-X9 Black
XF7 Dual Alternators Rated at 440 Amps
WLA Dual Rear Wheel
XXS Upfitter Electronic Module (VSIM)
A67 Laramie Level 2 Equipment Group
UAX Uconnect 12.0 with Navigation
SEB Auto Level Rear Air Suspension
ANT Bed Utility Group
AAU Safety Group
ADE Cold Weather Group
AHU 5th Wheel/Gooseneck Towing Prep Grp
LHL Instrument Panel Mounted Auxiliary Switches
ADB Protection Group
AAN Towing Technology Group
XG9 Trailer Tire Pressure Monitoring Sys
XFQ Mopar Trlr Camera Wiring/No Camera
MY7 Running boards, power
Planning on splitting time between towing a 16,000# fifth wheel and unloaded for occasional work commutes. Expect a pretty decent electrical load for radio and inverter gear as well.
Given the weirdness with HO restrictions ordering right now, the dealer offered a guaranteed price, or lower if pricing drops (not holding my breath!) which seems entirely reasonable.
Sticker: $86,315.00
Sales price: $78,489.00 + any incentives available at time of delivery
My state caps doc fees, so not much to worry about there thankfully.