Sorry if that was confusing. There should be a sticker on the door jamb of your truck which should read something like this: Passengers, cargo etc should not exceed XXXXlbs. That's the payload capacity of your truck. That # is what your truck is designed to haul, not tow. For example, lets say your payload # is 2400lbs. That figure generally includes you and a full tank of gas only. So given that 2400lbs you must subtract loaded pin weight, hitch weight, extra passengers, stuff in the bed etc. If you exceed this # you will be technically overloaded. Ex: 2400lbs-1800lbs [pin weight]-100lbs [hitch weight]-100lbs [wife] plus anything else you load in the truck like firewood etc. In this scenario you would have 400 lbs to play with.
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2012 Eagle 320 RLDS
2017 Ford F-250 FX4 Crew STX 6.2l
3.73 E-locker
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