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I think that if a load actually needs a tandem axle trailer, a highway 1/2-ton as a tow vehicle is going to be wanting. Of course, whether trips are comfortable or not depends on speeds traveled and grades encountered. I have a highway '89 F150 3sp auto/302 engine and a single axle trailer w/o brakes. With the trailer axle and the weight, the payload is about 1,800 lbs. That's about all I want to do at highway speeds and significant grades.
In addition, I think I have the heaviest hitch recommended for my 150 and it has a tongue-weight spec of 500 lbs. Figuring 15% of load for the tongue weight means that I'd start running into receiver limitations at just over 3,000 lbs. irrespective of tow package of engine. There also are combined vehicle/towed weight ratings in some areas that may present other limitations.
I think that factory tow packages are available for 2wd 1/2-tons but 4wd's tend to have most of the package anyway. In figuring the payload required , I'd keep in mind that the factory weight spec doesn't include the weight of loader, fuel, or ballast. At least one 3ph implements probably would be carried as well.
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