My $0.02
As mentioned, for towing, many people look at towing incorrectly (not saying you do, but I've seen it many times and even with people I know).
There are 4 main weights to keep in mind when towing/hauling. (1) GVWR for tow vehicle (weight of everything inside truck including occupants, bed cargo and hitch weight) and (2) GCWR (total weight of tow vehicle (weight of everything inside tow vehicle) and weight of trailer and trailer cargo and the (3) cargo capacity (given as max) for tow vehicle and the (4) tow rating of tow vehicle (given as a max)
Many people look at the max tow rating and base decisions on that alone. The max tow rating and payload of two vehicle are based on the vehicle being empty.
Here's an example for my truck - 2019 F150 super crew long bed (6.5'). The GVWR is 7050 and the max cargo is 1695 lbs. let's say I want to tow a trailer with my bx2380 and I'm taking 4 people with me who weight 150lbs each (150x4=600) and equipment weight 200lbs. GVWR 7050 - truck weight (7050 - 1695 = 5355 lbs). 5355+ 800 lbs people + cargo = 6155. That means my max hitch weight can be 7050-6155) 895.
According to ford, my GCWR = 16,200 with max trailer weight of 10,700. I take my GCWR of 16,200 - 6155 truck weight = 10,450 - so now I'm below the max state trailer capacity of 10,700. Legally I can only tow a trailer with cargo weighing 10,450 lbs and it can not exceed 895 lbs hitch weight. In addition, ford states the max towing capacity of 10,700 requires a weight distributing hitch.
Also, in many cases, the cargo capacity is calculated based on base vehicle (empty fuel tank, no skid plates, standard size tires, etc). My truck has 36 gallon tank. If fuel weights 6lbs/ gallon, that means I added 216lbs with full tank. So now my hitch weight dropped from 895 to 679 and my max tow in this scenario dropped from 10,450 to 10,234.
Just because ford says I can tow 10,700 lbs doesn't mean that is always the max I can tow in every situation.
Also, many states allow cargo on trailers to overhang front and rear of trailer. Call the DOT for your state and find out the limits.
Also, in many cases states follow federal DOT laws/regs for load securement. In some cases, this only applies to commercial vehicles. Tractor Time with Tim has a good youtube video where he's talking to state police about load securement regs. I follow DOT regs when towing my tractor - if it's good enough for GA/DOT it's good enough for me
In some cases you can increase your GCWR (you can not increase your GVWR). For instance, my truck has 3.55 gears and if I changed to 3.73, I can go from 16,200 to 17,100 (increasing max tow from 10,700 to 11,500).
Dan