Hey Guys.
I am new here as well. I purchased the same truck as Redbull. I found this Excel spreadsheet that you can play with the numbers.
https://www.keepyourdaydream.com/payload/
Based on the numbers from the "Cougar Half-Ton 32BHS" and "2021 Ram 2500 Tradesman 6.4L 3.73", The math works.
I can see by adjusting the numbers how close you are to overload.