gogetter
Your right about the limitations of a pickup truck. Really if we are talking what is legal for a pickup to carry, and assumeing it will be hauling some guys, and a trailer... a dump insert will allow you to carry a sack of groceries legally. From that point of view, an insert is pretty worthless.
Can a work truck actually carry more then it is rated for, yes, each individual has to determine the risks and rewards in going above it's rated weight.
On the quality of the Maxi-dumps: It does offer an option with twin cylinders, and greater lift capability. I would rather have more power then less if the cost is not much more, and in this case it is not much of a difference in price. The weight of the unit is greater, and that because it is better constructed. The bed is thicker in all points, thus it is not as likely to bend, or rust through as I have seen many ez dumps do in a short amount of time. It also comes with a headache rack standered, thus adding weight to the unit, but a nice option to have I think. The ez-dump weighs 820 lb's without a headache rack, so at most the difference in weight between the ez-dump, and maxi-dump is only 100lbs.
For me, if I was going to go with steel insert, I would opt for the better constructed unit with overkill hydro's that will last longer then any of the competitors due to thicker steel throughout even if it is 100lb's more. To each his own.
Jay