IMO if you exceed any of the manufacturers maximum "not to exceed" ratings you are overloaded and by definition operating unsafely. That would include the GVWR, payload rating, GCWR, FAWR, RAWR, Max tow rating, max receiver ratings and any others I may have forgotten. the only accurate way to know your actual weights would be to weigh the vehicle in a careful and calculated manner to ensure complaince to each rating.
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2006 Keystone Hornet 29RLS (The Cracker Cabana)
2009 F-250 SuperDuty CC 6.8L/4.10 (The Black Pearl)
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