Payload capacity: Includes 150 lb driver? Fuel? Or neither?

That would be my first choice, but we are buying new. Having owned two Tahoes, flawless with over 300,000 miles between them, a Suburban is my desire. But 2500 dropped and we are buying new. Begged local dealer to let me order fleet sales 2016 Burb 3500 HD. No go. So here I be. Trying to see if a new Suburban or Expedition EL will accommodate our payload requirement. Still not sure.


Dan