Need help with max towing weights

Right now the truck has a canopy, contractor ladder rack and a sliding sled in the box. I guess these items are about 400-500 lbs all together. I hit the scale one day with all 4 of us in it and the rear axle was exactly 4000 lbs. I figure once I take all these off and install the factory 5th wheel gooseneck with a Anderson Engeneering hitch I will hopefully be at 3800. That would leave me with 3200 roughly. I would put everything in the trailer to give me max payload. My fear is both these trailers will still be more than 3200 on the pin. It's very close, perhaps being a toy hauler we can load all of out bags and supplies in the back to try and offset as much as possible. I guess what I'm asking is if I'm over on RAWR by 100-200 lbs would you guys worry about it? My biggest fear would be getting in a accident and being denied insurance coverage for being over on weight, even by a small amount. My friend sells trailers and says the insurance company would only be able to go by the advertised weights, being 2700.