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Smaller wheel sizes allow more rubber and sidewall flex, which is why 20” rims have always historically been used for max tow.

Ford now gives you 300 pounds (150 each for a driver and passenger) in its 2021 payload and tow calculations. So you don’t have to subtract for the driver and if you’re both skinny for the first passenger either... good news though for those of us who were subtracting ourselves before.

One thing to note is that for the 2021 F150, Ford includes a 150 pound driver and 150 pound passenger in its tow capacity calculations. So you have an extra 300 lbs in payload and a full tank of gas that you don’t have to subtract if you were doing so before.