Thanks for the replies. We did find a TT with a rear kitchen, which would make it easier to load the trailer closer to 10-12% tongue weight versus 13-15%. Dry, it's at 10.7%. As an engineer myself, I really hate playing close numbers games like this. But I also recognize safety factors, so I doubt my truck will explode with a few hundred lbs extra payload.
Also, no mountains anywhere near here. Biggest hill around here is the landfill. It's bound to handle better than my previous 2002 Dodge Dakota and 19 ft travel trailer, which was perfectly acceptable.
I keep talking myself into and out of this. Just need to be convinced it won't be unsafe for towing in the southeast US.