Tonymull - I have a new theory - today I looked at a 1996 Chevy Silverado 2500. The sticker in the glove box said the cargo weight rating was 1208. Perhaps they are including a 150$ person in every seat? 6 people x 150 = 900# That would at least bring the rating up to 2108 including people. That still sounds low, the tires were rated to 3000#.
I have 2 ideas.
1. The truck companies are over conservative when setting their limits so no one listens to them and everyone is happy. Some people believe it's a marketing ploy to get people to buy larger trucks than they actually need.
2. No one really wants to know what their payload is because it's a huge pain and they just want to get out and have fun, math be damned! If people obeyed their payloads, less campers would be sold and less camping would be done!
I apologize to those who are telling me to weigh the truck, that's great advice, it's just hard to do when you don't own the truck. I don't want to spend a bunch of time inspecting and test driving a truck only to find out the payload is less than what I need - so I've been doing my best to find out before seeing the vehicles.
I worry about payload because I want an easy driving experience with good safe handling.