I now own a truck. I’m actually regretting not getting a bigger/heavier duty one. The biggest limitation is payload capacity. Payload is anything that puts weight on the vehicle - occupants, dogs, gear, food, supplies, bed covers/caps, etc. You must legally be under payload capacity or you can risk fines or liability in an accident. A lot of people are willing to push these limits, but cops pay a lot more attention to people towing/hauling.

If you want to actually tow with your truck, you need to allot a good portion of your payload to trailer weight (and hitches) that rests on the truck (tongue weight). This can range from 200lbs to 1k+ lbs, but is typically in the 500 to 600lb range for something like a boat or travel trailer. It can easily go higher if you load the trailer up with stuff.

A typical light duty truck might have 1500 lbs of payload capacity. Four people and their belongings can easily add up to 800lbs. Add pets, bikes, travel gear, food, etc and your suddenly well over 1k lbs of payload. You literally have no capacity to tow anything but the smallest of trailers.

So what do you do, well you get a bigger truck. You don’t need it all of the time, but it just doesn’t make sense to own a vehicle that cannot legally handle a family road trip.

Before people say “rent”. That comes with its own major set of issues. The biggest being little to no ability to tow with a rental vehicle. Most rentals flat out prohibit towing (even if technically capable and equipped). Those that do allow towing, generally limit it to 1st party trailers (U-Haul truck can only tow u-haul trailer).