Don't really understand your calculations. For instance 2013 Ram 1500 5.7 quad cab, payload is the same for all 3 rear end ratios (1680#)yet tow ratings for 3.21 diff is 7000# and for 3.92 diff is 10500#. Both trucks are exactly the same in everything except the rear diffs. Would your method still work?
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2018 Ram 3500 6.4 Harvest Edition
2018 Cougar 27RESWE
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