BigAl, not slap'n you around just a couple of comments.
Have you asked your insurance company if you are covered when your truck is over it's GCWR? I have heard but never experienced, that insurance companies can deny coverage in such instances.
The new trucks no longer fit neatly into the 1/2 ton (150, 1500), 3/4 ton (250, 2500), and 1 ton (350, 3500) catigories. Most '1/2 tons' have a payload in the 1500 lb range. GMs 1500HD has a payload of 3000lbs. I currently have a 2500HD it's payload is over 3500 pounds or 1 3/4 tons.
However to say </font><font color="blue" class="small">( A 3/4 ton or 1 ton single rear wheel truck is not that much heavier than most 1/2 ton extended cabs . )</font> is way underestimating the larger trucks abilities. You pointed out the biggest difference to me, the other person on the road with you. </font><font color="blue" class="small">( STOPPING ability is the most important part of towing anything . )</font> The brakes on the larger trucks are much larger and can cool themselves much better. The rest of the heavier parts of the truck (frame, motor, tranny, axels, radiators, ect) just improve the life expectency of your truck. They do little to improve my (road sharers) safety.
So one last comment. If you are in a overlaoded truck and some dumba$$ cuts you off and causes you to rearend them, be ready to loose everything you own. It won't mater the wreck wasn't caused by your driving. A jury will more than likely blame you for overlaoding.