Humm.. I guess I misunderstood what you said about the payload being #1160 'ready to camp'.
I figured that's with people and 'stuff' in the truck.
Max Payload is the 7 lug wheels and should have a GVWR of #8200.
Max Tow is the 6 lug wheels and should have a GVWR of #7700.
Regular Tow I've seen GVWR between #7100 and #7400.
I saw a 2013 Platinum that had a yellow payload sticker of only #850 on the lot!! It was over $60k too! I got my Max Tow XLT for $33k...
My yellow sticker shows #1920, but with my fat ass and all the other stuff I load in the bed, plus the wife, which does not add anything at all! ;), I'm at about #6400 on the truck weight alone. (before hitching up the trailer)
When I hitch up my little #5000 TT, I'm about #600 under GVWR and #400 under GAWR.
My yellow sticker was pretty close with NOTHING in the truck.. I load too much stuff in the bed, and I'm #230 myself... So the "payload" goes away quick when you weigh it.
Mitch