New to RV'ing. Want to fulltime. First post -- Hi!

Just took photos of the stickers on the 4Runner.

I guess I'm confused about the numbers.
It says that the "Tire Loading Capacity" of cargo and passengers should not exceed 950-lb.
The tow hitch says that with a WDH, the maximum capacity is 7,300-lb, 1,095-lb tongue weight.

Does this mean that the cargo INSIDE the 4runner cannot exceed 950-lb and has no relevance to the tow hitch capacities? Or does the cargo inside the trailer also count towards that 950-lb maximum?