Bumper pull trailers tend to be about 10-12% pin weight, 5ers are 20-25%, empty toy haulers are 25-30%. In most cases you will run out of rear axle weight long before you hit gvwr on a SRW truck. A 10k TT can easily be pulled by a 3/4 truck, a 15k 5er is at or above the rear axle limit on almost all srw trucks. Remember, you are not delivering the trailer, you are putting stuff in it, and in the cab of your truck, then hauling it. Between a hitch in the bed, a passenger up front, and a little carry on luggage, you can eat 500 lbs of the gvwr before the trailer is ever attached, and the 100 or so lbs of the hitch is directly on the rear axle.