Max Payload issue - help

Howdy, I just finished reading this thread and wanted to make sure I had my safety ducks in a row. I own a 2017 5.7 v8 CM 4x4 Off Road. My sticker gives me 1270 payload.
My wife and I are looking at purchasing a Travel Trailer somewhere in the 3500-4000lb dry range. For the sake of this exercise, let's say 4000lbs. My wife and I combine at 415lbs. My dogs combine at 45. We add 300 lbs of gear into the truck. We add 1000lbs of gear, water, etc into the trailer. This puts the payload in the truck at 760 (well under limit) and trailer total at 5k. If I understand correctly, I need to add the tongue weight (9-14% of trailer weight) to the payload. 9% would be 450lbs, putting the payload at 1210lbs (still good, but only 60lbs under). 14% would be 700lbs, putting the payload at 1460lbs (190lbs over). Is this correct so far?
I understand that to calculate this correctly, particularly with the tongue weight, I would need to get everything on a scale.
My understanding is that a weight distribution hitch can help alleviate the amount of the payload? Is this correct? Or does it just shift some of the weight from the rear axle to the front axle? Does loading the trailer weight more towards the back help alleviate the payload?
I know I can always take that 300 lbs of gear in the truck and load it into the trailer, but maybe that load of gear is a person? Just want to make sure I have my head wrapped around the math of this whole thing.
Any help would be greatly appreciated. Thanks kindly in advance from a newbie to towing.

 

You seem to be thinking it through correctly. A weight distribution hitch will shift some weight to the front axle of the truck, and some to the trailer axles. What shifts to the truck’s front wheels won’t help your payload (but does help steering and braking), but what goes to the trailer axles does help payload. The trailer weight you’re looking at is reasonable. I have a similar truck and trailer to yours and spent time setting up my weight distribution hitch and weighing the whole rig on a cat scale to get it balanced where I wanted it. It tows great and I am right around max payload.

 

I thought SAE J2807 is a towing standard not a payload standard.

Truck has a GVWR of 7200lbs load your trailer and go to the scale now you know how much weight you have on the truck, by proxy you'll see weight on drive and steer Axel's.

Answer to OPs questions, upgrade to a 3/4 1 ton or take two cars.

I have a 33ft MPG cruiser with a Propride hitch, my numbers are in with the wife, dog and kids are in the Sienna.

 

Bingo. People make the assumption frequently that the two 150 lb occupants are allowed in the payload. That is wrong. You still can't be over GVWR. Your GVWR is what it is. There is no addition of extra weight because of the SAE standard.

 

I saw on a you tube video before I bought mine that that something in the numbers were wrong because Toyota already factors in if you have a cm you will have 4 people then add the payload! Seems weird I will look for it

 

You have 7200 gvwr that it. Your sticker can say 1300lbs payload but that when the truck left the manufacturer. Spray in Bed liners, tow straps, nerf bars etc all add weight and reduce available GVWR.

When Toyota swapped to a 38 gallon tank in 17, payload was dropped another 78lbs

And the guy that mentioned no law to break towing over, It's going to be a cival lawsuit much worse, you can't play stupid with lawyers that's called negligence

 

So using a tundra, what's a safe weight to pull with a family + gear?... 4-5000 lbs?

 

I've heard 75-85% of max rating is safe. Both tow capacity and payload. So it all depends on your truck

 

I'm confused, isn't that why the OP purchased a new truck? Their trailer was 7+k? And that's what people have been stating on here... That it's not wise to two that much weight?

 

Apologies for bumping an old Post.... But what did you mean by "The money I put out per year in RV cost, Insurance,Maintenance," i thought it would end up being cheaper then hotels lol are you including the cost of the rv itself? Probably just being blind to the notion.

 

Well just talk me out of it why don't you haha

 

He'd have to throw all his gear behind the axles on his trailer to keep it off the tongue weight, and then sway merrily down the highway. My problem too. Bought a new horse trailer with an empty tongue weight of 800 lbs which is about normal for a well built horse trailer. Fine with the Tundra if I don't put my horse in the trailer - just about at the payload limit. Only later realized that all those ads showing a Tundra pulling a horse trailer that those trailers are the cheaply made ones with aluminum frame and a thin aluminum skin. End of the horse if you have an accident.