Why is it just rv folks pulling their trailers that face civil lawsuits for exceeding a mfg GVWR or a gvwr payload when over on the commercial side using the same trucks pulling the same size trailers we don't face civil lawsuits if were at fault/death/injury/property damage and carrying weight over the truck makers gvwr or its payload number.
Yes... we have been and can face civil lawsuits for being legally overweight and held at fault.
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OP asked where those numbers come from.
The vehicle mfg may assign a GVWR/FAWR/RAWR he chooses. The mfg may choose to use the sum of the trucks gawr as its gvwr.