A very important issue already mentioned is braking. While the load rating might appear fine or within limits, what about the brakes? Perhaps engineers have that factored in the calculations, I don't know. I do know my F450 brakes get very hot, and they have large surfaces to dissipate heat. Recently after coming off steep grades, leaving Cheyenne headed West, a 2500 pickup next to me at a truck stop, was really hot. They were towing a SOB (heavy) and the heat coming off the wheels was incredible. I also have been told, front axles also can become a factor. I am not a gear head so my observations might be wrong?
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