I have the 20inch rims, 3.92 gears and I'm towing a 21ft Sandpiper toy hauler trailer (not a 5er). This trailer has 100 gal water, 30 gal of gas, and I can pile up to four quads in it so sometimes I easily reach the 8600lbs limit. If you don't have hills to worry about and tow 5000lbs then you have plenty of truck. I towed my Jeep Wrangler about 4500lbs including the dolly one time and the truck towed it fine.