Thanks for the input. Didn't even consider payload and assumed a 3/4 ton would be plenty. Just based on numbers from what I know now, I should have about 2,500 lbs. of payload left after people, pets, and Oliver with 2 e-bikes are accounted for. Hopefully will be enough. Thinking back, I must have been a disaster waiting to happen back in my Casita/Ridgeline towing days.
Was looking at a cap but probably leaning towards a bed cover to keep things locked up and dry.