Question on Towing and Weight Distribution for a Newbie

Payload capacity and towing capability are two different things.

I used to tow a 30' TT with a high top conversion van. Those things have little in the way of payload left after the upfitter installs luxury seats, extra interior trim, and a tall fiberglass roof. Tire and suspension upgrades improved the towing ability, but the excess payload when carrying the family and all their stuff eventually smoked the stock transmission.