You hit the nail on the head, there is no work around except get a lower trim, with max payload package, with a lot Less options. if you have a platinum or limited I think they assume you stay in a hotel, lol
I use WDH, would not tow with out it at hiway speeds, also if you have ever had a trailer go into sway, you would not tow again without WDH/ sway control
All the added options your truck has like Running boards, tailgate step, sun roof, bigger wheels etc all add up to reduce from the base payload you originally looked up