Mate I go off road heaps. I travel pretty light.. fridge, seat, table, chairs, food boxes and a few other things like firewood, cooking stuff etc.. I’ve had no issues. My bags and a few other things are in rear seats. I take it easy. Never measured it but I’d have to say no more than 150kg at an absolute max and most would be over axle or in front. People will try scare u but the reality is it’s rarity. I’ve called my insurance and inquired and its not a common claim. Also it’s not Navara specific. It’s all dual cabs. People on here will tell you otherwise and try scare you.