I'm pretty sure that while our Navaras are RATED for 3T they're easily capable of more.
The problem with a bending chassis is simply because the wrong pressure is applied at the wrong point. Support plates welded to the side of the chassis around the point of impact of the air bag would probably remove that particular problem.
As for a weight distribution hitch (WDH) causing a failure ... it'd bend the thing the other way. The whole idea behind the WDH is to twist the rear of the chassis UP forcing the nose of the vehicle back down. If the WDH was going to bend the chassis, we'd see a bunch of photos of utes with the top of the tub rammed into the cabin. Instead, we see it the other way around - and to me, that spells two things:
1) Excessive loading behind the rear axle
2) Inappropriate pressure point at the point of bending caused by either
a) weak chassis or
b) device that creates a pressure point ie airbags incorrectly adjusted
You CAN use airbags if you adjust them right and don't overload the vehicle, but I would prefer to see some strengthening around the impact point - look at the section of chassis where the leafs connect. The load is spread around the point.
Jayk, I was looking at the Hilux as well, and the salesman told me my best bet would be to buy a Sahara ($100K) and spend another $30K at a chop shop getting the tail end converted to a ute.