You'll see several opinions on this one. I just went through this when changing WD system for new trailer. I was installing an Eqaulizer system and they recommend including the cargo behind the rear axle of the tow vehicle in the load the tow bars will need to accommodate. This is not tongue weight but weight the bars need to handle in transferring weight to front axle. Other mfg.'s and individuals don't include this for various reasons and some don't feel it's necessary at all. I felt comfortable including the extra weight and going to 14k bars instead of 12K bars. Set up is nice and I end up with only 1/4" rise in front. Trailer TW is about 1100 lbs and with my generator and other stuff behind rear axle I'm guessing well over 100 lbs. back there.