First, tires are standardized. The load carrying capacities of passenger car tires is pretty close to the same regardless of who makes the tire - close enough that it doesn't matter if you are using the same size. Ergo, the vehicle tire placard is applicable in all cases!
Yes, you will find differences in ride and handling, but that has to do with what the tire manufacturer decided it wanted for those properties, BUT not for load carrying capacity - and load carrying capacity is a safety issue! In other words, don't lower the pressure to solve a ride issue - you'll be compromising safety!
Max Pressure: For passenger car tires. the max pressure is NOT where the load maxes out. For SL (Standard Load) tires, the load capacity maxes out at 35 psi (for Eurometric tires: 2.5 bar = 36 psi!), and for XL (Extra Load), the value is 41 psi (Eurometric: 2.9 bar = 42 psi!) Note" you will find tires that list a 35 psi max pressure - in which case the max load does max out at the max pressure.