For me, it's simple enough. I'm getting paid by the mile. At a certain point, it's just not worth it to try to squeeze on a few hundred pounds more. Sure, the van might handle it and you might not even see the springs sag that much, but-- your power-train still has to start and move that weight, your suspension and tires still have to carry it, and somehow your brakes have to stop it-- possibly on a downhill grade. I'll top out below three thousand. Above that, it's not worth it. That's even before considering what lawyers might do to you if you're loaded over GVWR and you get into an accident.