Yes, GVWR is fully loaded WITH all your stuff included.. Dry weight is before you put your first beer in the fridge and also filling the propane tanks, water tank, etc...
Bunk house is the way to go for own beds and you'll need at least 3 of them by the sound of it.. ;)
It can be done, but you'll have to give and take on either the trailer size/weight or the trucks payload and axle weight ratings. Going over GVWR or even the payload rating is not a deal breaker in my mind, but you don't want to go over the trucks rear AXLE weight rating if you can help it...
Mitch
