The maximum load capacity displayed on your passenger tires is for use on passenger vehicles, mainly cars. When used on a pick-up truck that value must be de-rated. That is done by dividing the displayed load capacity by 1.1. You also need to do that when lowering the inflation pressures.
The recommended tire inflation pressures were set by the vehicle manufacturer when the tires were fitted to the vehicle. So they were set using the de-rated values for the inflation pressures recommended for the fitment.
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