Your question a common one on a rv forum and always gets lots of ideas and opinions.
Looks like your using brochure numbers however the truck GVWR and FAWR/RAWR from the drivers side door post sticker and is all thats needed to figure a safe in the bed payload.
Our pickups carry weight which is limited by the truck FAWR/RAWR and in particular the rear axle as its carrying all of a trailer hitch load plus other gear in the bed.
Load it up with people/gear/WD hitch/etc and drop by a set of scales and weigh the front and rear axles separately. Your trucks rear axle may weigh in the 2100-2200 lb range (estimate).
Next look at the trucks certification placard on the drivers side door post and find its RAWR.
Simply subtract the scaled rear axle number from that RAWR number. Use that as its payload.
Never exceed a RAWR number ie;...tire/rear suspension/rear axle assy/wheel rating.
Scaled axle weight numbers cab be used along with measurement when setting up a WD hitch system.
The reason I'm using the trucks RAWR is in many cases using the mfg GVWR based payload can and have overloaded the trucks RAWR number.
620 lbs of guests?? Usually guest are visiting in the trailer or are they riding in the truck.
Fill the truck with water at the campsite ?? IMO you mean the camper ??