Is half-ton truck big enough for a lite weight fifth wheel?

hbillsmith wrote:
* the advertised payload already considers the driver at 150# so just add wife and stuff

Here's the sticker from my Ram:


From reading the owners manual, this did not include a 150 lb. driver.

As far as I understand, the only time a 150 lb. driver is included is when the "Maximum towing capacity" is quoted.