I'm going to be putting a shell FWC or ATC on a 2011 Tacoma PreRunner access cab 6 foot bed truck. The payload is 1300 pounds. Most tires including the highest rated passenger tires for my truck exceed my payload capacity. If I keep it at or under payload why do I need E rated tires? I am going to be using this 99% on the highway and when not on streets and only some forest service roads. Where I live there is no snow and I'm not in loose or deep mud only gravel and hard pack mud. The camper won't be on the truck but once a weekend a month or so. The rest of the time I'm driving 40+ miles a day on the highway to work without it and don't want to lose much horsepower, gas mileage, comfort, road noise, or handling. Does anyone run a good P rated 245/75/16 (suggested by Toyota for this truck) or an E rated one for comparison with the conditions I have stated? I know it's a compromise but since I use the truck for such city commuting it is a concern. Thanks.