I understand all the things you’re saying. The convenience of a small bed is great. For me the Maverick works great towing my small boat.
I own two homes and a condo and I’ve never purchased a sheet of drywall in my life haha.
I purchased a 2" lift initially then second-guessed myself for the same reasons as your concerns. And this was very early on when there hadn't been many miles on set-ups yet. I'm very happy with this lift. Combined with the tires it gives it a little more clearance and an absolute better overall...
While there are certainly mods to increase tow capacity, you cannot legally change the manufacture tow rating of a vehicle. If you’re overweight and involved in an accident there’s a good chance it won’t end well for you, civilly and criminally.