The masses read "can tow xxxxx lbs", then think that's what they safely can tow. I kind of feel like manufacturers need to similarly advertise payload, because that's where people run into trouble. Most half-tons can easily tow around 9-13k lbs based on configuration, but the max payload on anything other than a bare bones work truck is maybe 1,200-1,500 lbs. A 13k lbs travel trailer is going to have a tongue weight well over 1k lbs, so you can load yourself and a sandwich before you're over payload.