I have a CDL & previously drove a variety of 1/2, 3/4 & 1 ton trucks for commercial construction-type work. All trucks were pushed to their max payload & GCVW limits weekly. Overall the 3/4 & 1 tons from the Big 3 held-up great. No real safety issues or mechanical problems when pushed hard... Not true with the 1/2 tons. Brake problems, suspension problems, tranny problems, you name it because they are designed for car-like comfort & not hard work... Also, their suspension softness made them a lot harder to control when conditions required fast braking & maneuvering. Just sayin'...
For instance, my loaded TT pushes my Ram 2500 w/5.7 Hemi close to its GCVW (mainly due to my year's 5 speed tranny vs. the newer 6 speeds they are using...) Unlike a 1/2 ton pushed to its limit, I feel the specs on my 2500 give me a built-in safety margin.
For instance, my payload is 3,000 & I can haul 3,000 lbs. of mulch with plenty of spring left. I have hit potholes & not bottomed-out. If run a 1/2 ton at its respective max payload, the coil springs will bottom-out on same road, same railroad tracks, etc.
That said, I see no reason to by more truck than you need for a specific duty. If you get a great deal up-front it lowers your overall cost of ownership.
For instance, in 2013 I paid $14K for a 2 year-old 3/4 ton. Since I added a like-new fiberglass cap (CL for $500) two years later I still get offers of $14K - $15K but now only owe $5K on it... So I have $10K in equity after owning it for 2 years vs. the guy that paid $60K & still owes $45K for a truck that's only worth $40K...
2011 RAM 2500 ST Crew Cab 5.7 Hemi
2011 Primetime 3150BHD Touring Edition
Days camped in 2016-36
Days camped in 2015-37
; Days camped in 2014-31