Has nothing to do with budget, but with the fact of what have and how you use it.
This is at no one and is a pure example: If a jeep on 33's will go and WHEEL a pretty good trail, but a 1 ton'd rig won't, I call the 1 ton a mall crawler. It's for show and will not be used for its intended purpose. The next issue may be about breaking something, but knowing the limits of the rig will come into play. Spend time with it, learn, and also reading on the internet will explain a lot of things.