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Sounds like your trucks too heavy for a 5th. My weight is full of fuel and my GF and our crap that we carry in the truck, not empty like you said. You are combining the GVWR and the payload in your calculations. My manual says I have a payload of 1640#. That is what I can carry in the bed based on what the suspension and axle will support, regardless of the GVWR. The GVWR is that max the truck can weigh with everything in it. Now these two ratings will not always add up like you showed. They are two different ratings though. So, based on the way I calculate things, I am still under by almost 400# on what my payload rating is....how much my truck can carry in the box. Now because I am putting a good amount of pin weight in the back, it is putting me over my GVWR by 20#. Not a big deal in my opinion and like I said...no problems so far. Still under my GCVWR by almost 900# so no problems trying to stop, like some people have said. My axle rating is still almost 400# under as well. So I am not pushing any rating except for my GVWR...by a whole 20 lbs.
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