We tow a 5000 lbs. dry weight TT with a 2010 F-150 4x4 with E-boost engine. When loaded for the road the CAT scales say the TT weighs 6200 lbs. with 750 lbs. of that weight on the WD tongue.
Because of our F-150's features, our Max Cargo is 1411 lbs. of which 750 is used up in tongue weight. To this we add two adults and a large dog with some camp gear and tools. Now we are at our trucks max cargo limit. The total weight of the truck and trailer combo is just under 13,500 lbs.
It bothers some folks to be at their Max cargo limit, as it does increase the vehicle wear and tear. Personally, I do not buy a dozen eggs and only use 10 of them. My truck was designed to haul a certain load and that is what I expect out of it.
I run factory equipment, P tires, and it is serviced by the local Ford dealer. (I am too old to shinny under a truck anymore)

In the past four years we have towed over 30,000 miles. I have towed in the Rockies, Ozarks, Smokies, the desert and mid-west farm land. I expect to add another 8000 miles this year. The trailer is 26 ft. from nose to tail and I have no issue with winding through city streets to find a quilt or gun shop.
The truck was 88,000 mile on it total and I have run through a set of tires, rear shocks and a set of brakes. I am going to add a set of air bags too see if there is any difference in the ride after four years of towing.
I suppose if I had an opportunity, I could buy an F-250 diesel but that is not going to happen for two reasons. 1. My wife thinks the F-150 is already too big and rides too rough. 2. I really do not need it or the extra costs associated with it.
A person is free to spend their money anyway they want but until I need a bigger truck I will stay with what I have.