Specs, Shmecks... listen to the real world. Specs is an interesting start, but real world can be a whole lot different. I got burned by it and was lucky I could get it resolved. And the way I got it legally resolved still makes others nervous, but I know I am good for my state's regulation, and besides knowing I am safe, I am compliant, too.
I'll keep try and keep it simple and state my specs showed my fiver tow rating for MY truck configuration as 15,200 lbs and a CGVWR of 23,000 lbs. The trailer I tow has a GTWR of 14,200 so I thought I was good. NOPE, I was not and only a real world weight scale showed it. After I bought my truck I added a bunch of aftermarket accessories and "features". By the time I was done, I weighed my truck and it weighed about 8200 lbs. 23,000 minus 8,200 equals 14,800 left over for a fiver. BUT, after loading up the truck with the gear I carry for an outing (about 350 lbs for the hitch, passengers, pet, pet supplies, luggage, toys and other gear in the truck bed, etc.), then the truck weight goes to 8550 and only 14,450 for the fiver.
Enough with the math lessons but you'll see that loading things into the truck or trailer will affect weights at all axles. I'll also add that a residential fifth wheel carries more pin weight (up to 25%) than a cargo or horse gooseneck trailer (about 15%) and I also was overweight at the rear axle at one time because of this.
Be wary of specs, know how and what affects them, then measure your world weights and learn how they can be properly managed.
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