Russell; I see it's an F250. By chance, is it a Triton 3-valve engine? If so, then perhaps it is time to start looking for a different pulling truck.
The Triton 3-valve engines are known for having problems with the cam phasers, and yours, (if applicable), is approaching the mileage limits where they start having issues. My '04, with a 5.4, did quite well, but at 170K, it's time for me to do something. I'll pull off a highway, and at the stop sign at the top of the ramp, she'll rattle like a diesel for a bit. That's the cam phasers slowly dieing on me. (Yes, I'm on the lookout for a 3/4T Dodge or Ford.)
In your case, I'd say it's a toss-up which direction to go. You're probably pretty close to a 50/50 mix of towing/not towing driving, so I suspect it would balance out in the end. I think I'll change my position, (for your circumstances), to a 3/4 ton diesel, unless you see a larger/heavier load in your future.
Just my non-professional opine.....Roger