"Dry" weight most certainly does NOT include water.
By the time you've loaded that ~12,000lb 5th wheel, it will be around 14,500lbs, which is over your truck's mythical tow rating.
People in the same situation hitch up and hit the road without a single reservation or care, and get from point A to point B blissfully ignorant of their "dangerous" situation.
You need to decide before you plunk down a whole bunch of money, and risk taking a huge financial hit should you realize that the truck is too small, or the trailer is too large, that you will be okay with this situation. If you can afford to trade trucks and trailers willy-nilly until you find a combination that suits you, fine, but most aren't and are stuck with their first purchase. Unless you are an experienced tower, which you are not by virtue of asking this question, you probably should find a combination that is more compatible on paper.
Your truck will tow a 5th wheel trailer, including this one. It would tow a smaller trailer much more comfortably, though, and you want to RELAX when you go camping, not stress and white-knuckle your way to the nearest campsite.
