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The hardest number to reconcile is payload. The only way to fix a payload problem is with a bigger truck or smaller trailer. Take the time to go to a truck dealer and look underneath a 1/2, 3/4 and 1 ton truck at the rear axle. The biggest problem is the axle bending if you bottom out while negotiating a rough road or dip. Equalizer hitches transfer weight to front axle but the weight rating of the axles must be considered for safe hauling.I'm curious like Germanrazor...the payload on the tow vehicle is more important than the Max Tow Rating!
Good Luck and safe travels