How much weight willing to carry?

So I’m all stock but once you add front and rear bumpers, windshields, roof, light bars, popo cargo box loaded with tools, couple gallons of gas, cooler….. You get the idea. Plus my fat A**, I’m just wondering how much weight people are carrying and the downsides of too much weight. I want to start carrying a spare and I have not added a winch yet! Hell, by the time I’m done I won’t be able to take a passenger!

Thoughts?