op wrote:
Please educate me if it doesn't seem safe for my truck.
Maybe I missed it but not knowing what your truck brand....GVWR....RAWR is we have no idea if your numbers are are safe or unsafe.
Your truck or tow vehicle may have more or maybe less available actual payload than your figuring with. Tell us what it is for a better idea what numbers your using.
I use any trailer types dry weights and its GVWR when looking at safe weights for a particular truck. And your right about thinking you will never load some/all trailers up to its GVWR.