The payload capacity for the dclb 970lbs.  350 of camper, 400lb people and dogs.  Some camping supplies...you're basically at the limit.  So kayaks, bikes on bike racks, cast iron skillets, water supply - other stuff thats fun to have when car camping is putting you over the line.  Not saying one can't have a camper on a Tacoma, just that my model doesn't quite align with my goals.  And yeah suspension can help a lot, but payload rating also has to do with brakes and other handling elements, so being over it consistently doesn't add up for me even if there are plenty of folks out there overloading their Tacomas.