beaudin12,
If you think your truck needs bags, get'em. Don't worry about the weight police, the REAL weight police know the REAL limits.
Your truck is legal to carry anything that doesn't exceed 20,000 pounds per axle, the tire sidewall capacity, or 600, 700 or 800 pounds per inch of tire width, depending on the state you're in. From a practical standpoint, the only limit you'll run into is the tire sidewall limit, the others are waaay higher than what your average RV'er will pull.
Example: I'm running 19.5 x 10 inch tires on my SRW 3500. Per tire sidewall, I'm limited to 4600-ish pounds per tire, 9200 pounds on the axle. It's an AAM 11.5 axle, btw, and rated at 10,000 pounds. Soooo, my legal limit is 9200 pounds on the rear axle because that's the lower of the above listed limits.
Has anyone in internet-land (non commercial) ever been cited for being overweight unless one of the above criterion were exceeded? Has anyone in internet-land ever had their insurance claim denied because they exceeded a published weight?
Insurance laws were enacted to protect others FROM you, that's why they're called "financial responsibility requirements" in my state. You see, if I were to hop in my truck, drunk, speeding, and without registration, killing a bus full of nuns on their way to feed kittens at an animal shelter, would my insurance company deny the claim based on my illegal acts? No way. NEVER happens.
We're all big boys and girls; drive safe, accept responsibility for your decisions, and enjoy your camping rig.
Yes, I'm LEO.
Putting on my flame retardant suit...
Randy