I have the same concern. Believe payload (I don't intend to tow during my overlanding) is based upon many factors and stopping power/distance is one of them...could a bigger brake system help in extended travels putting additional stressors on the brakes...I think so. My only concern is that...
Stop and think about the world-wide automotive community: is is close...not really...we all drive around and go about our daily lives...without thinking; only brand/model I am familiar with that folks recognize one another is the Jeep Community! THE JEEP WAVE! Putting ducks on your fellow...
Sorry, can't help you...had a cherokee in Germany in mid-ninties..for same reason PCS...metal bumper...no issues...but lots of things have changed since then. Your transportation office should be able to assist.