All of them came with a reducer from the factory. Should be somewhere in the truck. Mine was in the driver's side underfloor bin in the back seat.
Unless the previous owner kept it because they were going to Ford or GM, which DON'T always come with one, even factory. FIL bought a brand-new '19 and '22 SD that didn't come with an adapter, his '23 did, however.
My '17 came with one, as did my '22. Honestly I don't hear them rattle, unless I hit a BIG bump (rail road tracks or the like), even with them fitting loose. Doesn't matter if I'm pulling a trailer or not.
I also use it when pulling our camper, or when they had it my in-law's 'park model' trailer, and haven't had any issues or signs of damage/wear. My biggest problem is rust because I leave it in year-round.
As for WHY they went to the 2.5" receiver, it has to do with ratings - a 2" Class IV receiver is only rated to 10k standard, 14k with a WDH, whereas a 2.5" Class V receiver is typically rated to 12k standard, and 17k with a WDH. With the ability of these newer trucks to pull the weights they can, the 2.5" hitch was necessary, or the 'tow rating' would have been heavily impacted.