For occasional towing like most, many (like me) will let ourselves push closer to the limits, since 95% or more of driving is when NOT towing.
For full-timing, or lots of seasonal travel, it probably worth giving yourself more cushion.
I hear most people saying that difference between a 3/4-ton and 1-ton is minor, compared to the breathing room you get in payload. I can't imagine the ride quality (while not towing) is much different between the 2 either.
thebrakeman ('70), DW ('71), DD ('99), DD ('01), DD ('05)
2004 Surveyor SV261T (UltraLite Bunkhouse Hybrid)
2006 Mercury Mountaineer V8 AWD Premier
Equal-i-zer WDH (10k), Prodigy Brake Controller