I use both a riggid and a suspension fork MTB-
The riggid: chromoly frame w/ 2.35X26" Big Apple balloon tires run 20psi front / 35psi back (un-loaded/no gear)
The hardtail: aluminum frame w/ 80mm cannondale headshok fork and 1.25X26" tires at 65-80 psi

I really like the Big Apple 2.35 tires for rough roads, curb drops/hops and carrying heavy loads.
I really like the 80mm sus-fork and "skinny" tire combo for fast riding over bumpy, decaying city streets...and i can lock-out the fork when climbing.

Having the suspension fork is nice on your hands and neck, but it can bob/pogo if not inflated properly, so I run mine at 80-100 lbs (im a light weight) Sus-fork is also nice for the trails....i keep a set of off-road tires for trail riding/bikepacking
For utility/commuting with heavy gear id choose the riggid+Big Apple rig, and inflate the tires to suit the GVW (gross vehicle weight)