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USA manufacturers generally include a full tank of gas in the curb weight. This means it does not count against payload.
But, the weight of all passengers, dogs, gear, etc. does count, as does the tongue weight of the trailer.
I suspect payload in the Expedition will be your limiting factor, not the tow rating.
The specs (stickers on the door, owner's manual, etc.) tell you what is a safe setup. A salesman can tell you anything.
Try thisWhat did Ford say? The dealer I was at had no idea what payload is
Agreed, but add a couple of batteries (+150 lbs) add 2 propane tanks (+80 lbs) add 40 gal water (+300 lbs), and you'll be surprised how fast the numbers over DRY WEIGHT increase.Some of these trailers have huge payload relative to their dry weight, a few I've looked at weighed under 4300lb dry and had a GVWR of 6500lb. This is why dry weight is important to me. I'm under no false impression that filling the kitchen with wares, the bath with soap & TP, the fridge with food & the cabinets with appliances, games and towels that it won't be at least another 500-600lb but that still puts it well below my 6100lb limit and moreso under the GVWR. To ignore the dry weight at < 2/3 the GVWR to me makes no sense.