SUVs tend to have it rough because lots of folks buy them to haul family, which can eat up that 1700 payload a bit. I know there's folks on here that tow with RRs, so I'll let them speak on that, but you are correct in that the tongue weight of the trailer and weight of the hitch will subtract from the payload. Keep in mind that the tongue weight for a properly balanced trailer is usually between 12-15% of the total weight of the trailer. Brochure dry hitch weights don't give a good picture of what your actual tongue weight will be because they don't include options on the trailer, propane in the tanks, or even the battery sometimes.
Good luck in your search! :)
