I will say that the factory payload and towing capacities are pretty conservative. Not condoning running out and putting 3,000 lbs. in the bed of your PW and then running 80 mph down the freeway, but manufacturers would open themselves up to huge liability issues if they put those capacities right up against the true failure or "unsafe" point on the vehicles. Growing up in a farming community and working for a small construction company back when I was in school I have seen this first hand many, many times. Never once saw a farmer say "wow, that's a couple hundred pounds above my truck's max payload capacity so better not load it in the bed". What is the old saying.."if it fits, it ships...".