Towing at or above the GCVWR can result in oil temps at 325F +. No lube can stand that for long.
According to axle insiders, you wanna know what the most failure prone truck axle is? Dana 80 DRW in motor homes. They are often grossly overloaded and overstressed and neglected.
While doing research for a book, I spent some weeks in a well known axle shop. A 24 foot motor home came in with a raucous howl. Pulling the pan yielded an odor worse than dead bodies in the hot sun (well maybe not that bad, but I've managed to put that experience far behind me). In the oil world, I do believe burned gear oil is the worst possible odor you can encounter. The ring and pinion gears were blue-black, what was left of them. The oil level at or near full but the oil had simply been cooked.
Typically the lighter motor home chassis are near their weight limit once the houses are added. When Ma and Pa get through loading all those "essential" things, plus a full tank of good water from home, that chassis and axle may be well over recommended ratings. I have been told by a reliable source that 375F has been seen in certain motor home axles.
The point is exactly what Dave said above. The oil can handle high temps... for a while... but it breaks down and ceases to lubricate. Failure of the lubricant results in failure of the axle. That is a maintenance or operator failure, not an axle or lube failure, when you get right down to it.
This brings me back to my point about diff temps. If you know what temps you run, you can make a good guess at OCI and at any deviation necessary from the factory viscosity recommendations. I've had diff temp gauges on my trucks for years now, both with and without the very nifty Mag-Hytec covers (which will knock 15+ degrees off temp BTW). With a slippery oil and those covers,even towing, I can run 90 grade oil because they keep the oil temp down to a low level. The benefit for me is slightly better fuel economy but there's no risk because I know exactly what's going on.
Late Addition: Not sure why new trucks would come a quart low, but too much oil in the diff can make it run hotter. I could cite some examples of that, including overfilled diffs that overheated and foamed out the vent. There too low, too high and just right as far as oil level goes.
Here's the AutoMeter gauge in my old Ford truck
Here's the Mag-Hytec cover on the 10.25 in the '86 Ford F-250. It has a built in bung for the temp sensor (not visible) but you can see the ground wire. I also had a gauge with the original cover, welding in a bung purchased from AutoMeter. The cover also adds about 3 qts to oil capacity, which both helps with cooling and extends OCI. Several sources recommended putting the sensor in line with the oil being slung off the ring gear, rather than bulk temp. Seem to read a little higher than bulk but perhaps it delivers a little better picture.
Yeah, I take my gauges seriously. The two at the bottom of the dash are diff temp and trans temp on the "new" '05 Ford. I can also read trans temp off the programmer on the left, but hte gauge reads bulk temp and the programmer reads in the valve body. They are all Isspro. Yes, my name is Jim, and I'm a gauge-o-haulic.
A mild case of what happens to ring gear teeth when the lube fails. I have pics of the aforementioned motor home axle, but they are B&W on film and I'm too lazy to scan the negs.