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Need advice: Payload sticker changed my whole truck-shopping plan

PistonRoadie40Community StarterJan 8, 20262021 Chevrolet Silverado 1500 LTZ 6.2Florida
2021 Chevrolet Silverado 1500 LTZ 6.2, about 118,000 miles. I was focused on tow rating until I started adding passengers, gear and tongue weight. Now payload looks like the real limit. How much buffer do you personally leave for a family towing setup?
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PistonRoadie40Community StarterCommunity StarterJan 9, 2026permalink
Coming back with numbers — insurance in Florida changed the 2021 Chevrolet Silverado 1500 comparison more than the sale price did. I'm keeping receipts and dates in one folder.
CruiseCamper66Community StarterCommunity StarterJan 9, 2026permalink
Insurance and tax belong in the comparison, not as a surprise. Ask for out-the-door on the 2021 Chevrolet Silverado 1500 with fees, add-ons, and rate on separate lines. I'd rather lose the car than buy a foggy deal. On “payload sticker changed my whole truck-shopping plan,” that was the fork that mattered for me. Do that first. That's my plan before I call anyone.
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