A load-carrying bed system for a vehicle having a cargo bed includes a bed floor defining a cargo receiving area and first and second sidewalls disposed along lateral sides of the bed floor. A forward wall is disposed along a forward side of the bed floor and laterally between the first and second sidewall. A tailgate is disposed along the rearward side of the bed floor and laterally between the first and second sidewalls. A cargo bed divider is movable between a stowed state wherein the cargo bed divider is stowed in a cargo bed divider cavity defined in the tailgate and a dividing state wherein the cargo bed divider has a first end removably secured to the first sidewall and a second end removably secured to second sidewall to divide the bed floor into distinct storage areas.