Um, I run stock wheels/tires when I'm not planning on doing any off-roading. I'm not running spacers unless you're calling the leveling kit spacers. Only addition is the bumper. I have the tow package. Yet, since the brakes warp (good amount of vehile shudder when applying brakes) so easily with just a 200lb bumper I probably shouldn't drive this vehicle with a passenger, let alone a 1000lb trailer for a medium length road trip, hm?
Don’t take my comment as a knock. If there was a bumper I found asetically pleasing I would have one as well. There are just other things that do need to be taken into account as well. Look at most lift kits they have a different package for trucks with added bumpers or accessories. Because they use different spring rates and shock valving to accommodate.
Your leveling kit is composed of strut SPACERS you are adding 2.5” of added travel right off the bat. Sure it is in the realm of still working but you are pushing the limits and your components will wear out faster.
As for your comparison of a passenger and trailer Ford has already built those possibilities into the chassis, suspension, and braking components.
What is not built in is having the weight added as far forward as possible, plus you are over extending your front shocks, which are an integral component in how well your vehicle stops.
Example. When pulling a trailer do you put all the weight as far forward as possible??? Nope.
Not a knock at all just when you beef some things up other components need some beef as well.
Some Bilstein 6112 coilovers will give you up to 3” of lift for the front without having to use spacers (leveling kit) as well as a much firmer and better valved shock, add a good set of upper control arms and you will have a solid front suspension that will handle that bumper and anything else you put up front.
Trust me the OEMs are crap mine are leaking at 50k and I have not really even towed with it yet.
As for warping rotors a fully stock setup will warp rotors as well for different reasons you just happened to add a lot of front end weight and geometry changes.
Kind of a perfect storm in the right scenario.