Where are you looking up payload info?
What are the numbers on door jamb data sticker?
GVWR of 7200# minus scale weight 5900# equals 1300# of capacity left.
5900# included your husband and EVERYTHING in vehicle.
1300# minus your weight, minus anything you put in vehicle, minus any other passengers & their stuff........not much 'actual payload' capacity going to be left.
That's the reality of real numbers vs mfg. published marketing numbers that have fine print/caveats such as:
**May vary depending on model, trim and/or powertrain.
**Weight of additional options, passengers, cargo and hitch must be deducted from this weight