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I am in the same situation. What I was told in many forums is the Payload is a conservative number based on assumed values and are not held to by MV Laws. The Truck’s GVWR and GAWR numbers are the ones NOT to exceed. That being said I was told to load the Truck with the people and Cargo expected to be in it when towing, and a Full Tank of Gas. Then go to a Scale (Such as a CAT scale used by semis) which should tell you the actual weights Front and Back Axle. As a 5er will rest almost entirely on the Rear Axle look at the Rear GAWR Rating minus the one you got at the scale for the Rear, that will leave you your true remaining Allowable Pin Weight for the 5er. Of course when looking at the 5er use 20% of its GVW (Fully Loaded Weight). I have found that even my 3/4 Tom Ram is barely enough for a 5er (never thought I’d say it but, Damm Cummins! Apparently it weighs close to 600# more than a hemi. It can Pull a mountain but not carry one).
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