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The payload numbers reflect a FULL tank of fuel. This is one of the reasons that opting for the 33 gallon fuel tank results in a 73 lb payload reduction. About half of that weight is the weight of the additional fuel.
I’m speaking specifically on how this number on the door jamb sticker is generated, not the generic tow charts-Wrong about fuel.
the part about registration is true about that being the only legal worry.
But the truck does have a limit. And the axle limits are more than gross vehicle rating...but maxing them is not the answer.
But, towing is an opinion. I tow below max and relax. My opinion.
Each truck is built and weighed exactly with 5 gallons of fuel. They do not fill the tank up, tare the truck, generate the sticker, then remove all but 5 gallons of fuel. Then they test drive for 7-13 miles, and deliver the truck with whatever fuel is remaining.