Over 10,000 gvwr makes it a class 3 truck, over 14,000 is class 4.
So 10,000 is like a halfton. Makes a big difference in regs and insurance if business use.
Private use is determined by state, example california is 11,400 max till you need to meet further regs and some states require different plates if you are over 10,000. Some states require license endorsements if over a certain GVWR or GCWR.
If you are over 10,000 and commercial (even if you never haul anything) then you need to abide by Federal Commercial Motor Vehicle regulations. Also a lot of gooseneck trailers are rated for 15,900 and you will need a CDL if your truck puts you over 26,000 combined.
I am use to Fords and you can get all the SRW trucks in 10,000.