GVWR is the maximum allowed weight regardless of all things. And there is no planning by the OEM as to how any given person may load their trailer (or vehicle)
Think about it. How could any manufacture ever calculate how any single person will load their trailer or vehicle. IMPOSSIBLE.
You load it how you want up to GVWR. That's it.
For the record, I've never owned a trailer that I can load to axle capacity with 10-15% on the tongue and remain under GVWR.
My current TT has a GVR of 7500lbs. Fully loaded for a trip, I'm right at 7,000lbs. If JUST ONE of my water tanks is full when I'm towing, I'm at GVWR capacity. I have axle capacity left...but that doesn't matter.