I live in Europe where trucks are fairly rare but you still see large SUVs, 4x4s and vans around. My own feeling is that certain classes of vehicles should be considered commercial for the purposes of insurance, taxation, VAT, inspection, tolls, permitted usage and everything else. The legislation already exists for commercial vehicles so extend it to these kind of vehicles.
So is someone must have a stupidly oversized vehicle purely for personal reasons they can enjoy all the bullshit and restrictions that goes with it. Doesn’t stop them complying but making it more onerous to do it will take demand for these vehicles off the market entirely.