I have bags in the rear so no payload loss, I dont haul crap in my truck just camp gear/ stuff like that. It's all carpeted in the bed (Bedrug) so I can sleep in there if I want. Lots of options on dropping truck, I could do a drop like mine w/ over load bags, PM me, or call 702 566-3940 or 374-8108. I put the bags on mine so I dont get hung up on a shitty ramp or something, I dont drive in the dirt or shitty roads. What size tires are you running?