Many of us have the disk brake option on the 7k axles. IMO, it's better to get G-rated tires and disk brakes on 7k axles if money is tight. Remember, even though the options look high, the price is discounted by the percentage off you negotiate with the dealer at order time.
Mike & Pam '12 36RL, Kodiak Discs, 17.5" G114s H-Rated, SRE4000 w/HD Shackles, Joy Rider Shocks, Flex Air, 5.5 Onan, W&D, DW, 4 Scare Lights, (2) 6V Trojan T-145s; Progressive EMS-HW50C, Winegard DTV Sat, Sony/Denon 4K Home Theater, WiFiRanger EliteAC Pack, weBoost 4G-X Cell Booster.
2020 RAM 3500 Limited CC, LB, 4x4, DRW, Cummins HO, AISIN, 4.10, Curt A30 w/OEM Prep, Transfer Flow 70gal Aux Tank/Toolbox.