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I had the same concerns with my 06 2955RL and I have the double pane windows but no gel coat.
The windows I figure add about 300 pounds to the coach. I do have the Splendide washer/dryer and that is 160 pounds. Anyway we went over a government scale on the way home afer 42 days on the road and we had many things we did not need. Several flats of water in the basement and lot's of canned goods as well. My freshwater tank was full and I ended up with the trailer's weight at 12300 which is only 200 pounds over my GVWR. All I had to do was dump half my fresh water to be legal. Now the real good news was I was under my trucks GVWR and that is more of a challenge than overloading the coach. My 05 F350 SRW has an 11200 GVWR and you must have 18" or 20" wheels and tires to get that rating and I was right at 11080 so I only had 120 pounds of payload left.
Again, I travel heavy with an auxilary tank in the box, tools, two big dogs, etc.
Anyway, if you are going to get anywhere near the GVWR of a new 3400, you are going to need a dually to take that pin weight because everthing you add in a fifth wheel ahead of the axle will add some weight to your pin. My 2655RL puts 2600 pounds on the pin which is 21%
of the weight of the Montana.
I just learned from Cat320 that a fiver should put between 15 and 25% of it's weight on the pin. That means that a loaded up 3400 could put up to 3480 pounds on the pin. Far too much weight for any SRW.
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