I'm new to HD trucks. I'm thinking I should have gotten a 3500HD instead of a 2500 HD Diesel. I'm a retired water environmental engineer. My wife and I are exploring the West w/ a 5000 lb Travel Trailer wet, very light. I got the HD Diesel so I could move up to a 5th wheel. The HD Diesel is overkill for my light trailer. I grew up an only child in Rock Island IL. I learned to love the out doors on family vacations and w/ the Boy Scouts. My home base is Tampa area, a long way from the West. May full time RV or move West. I'm ready to move up to a 5th wheel and was impressed that GMC said I could tow a 14,700 lb 5th wheel w/ my 2011 2500HD Diesel 4x4. Now I'm confused w/ the cargo capacity (door says 2400 lbs) and GVWR of 10000 lbs. My wife, me and a 5th wheel hitch will weigh 400 lbs. No way I'm going to find a 5th wheel w/ a pin weight of 2000 lbs when wet that will meet my needs/wants. The mid- profile 5er I'm intered in has a pin weight of 1970 lbs dry, a dry weight of 9700 lbs w/ a GVWR of 13700 lbs. I figure I may load it w/ 2000 lbs for a total of 11,700 lbs, way under the 14700 lbs per GMC. BUT the pin weight is going to be over the 2000 lbs when loaded up. Is the insurance adjuster going to say "Sorry, you exceed the 'cargo capacity' and thus are on your own"? My attorney will say "We were well below GMC's spec for a 5th wheel." AND "Cargo capacity does not apply to 'pin weight' because it has brakes and 'cargo' does not. Who's going to win?