I would definitely rather be overweight on a fifth wheel than a large travel trailer. My first toy hauler was a 27 foot bumper pull that was probably 10,000 fully loaded and I hated towing it. Pulled it with 5 different pickups and none were good. I then went to a 24 foot bumper pull that towed very well at 7,500 pounds or so. Now my 33 foot fifth wheel gets similar mileage as my 24 foot and better than my 27 foot bumper pulls. None have had a garage. If it were me personally, I would think about getting one without a separate garage, they are just as nice, actually more roomy, and more within your weight limits.