I am looking for a new truck to tow the camper-maybe switch to a hybrid. I have a family of 5 and have 3 teen/tween boys. When looking for a truck I had determined my limiting factor was the payload (since I need to figure about 1000 lbs for my family/dog) and the weight of our stuff. Add to that, if we want to switch to a hybrid at some point I need the increased payload for tongue weight too (right?). Sooo, when I went to the Ram and Ford dealerships looking at trucks, I was already set to look at 2500/250's due to the increased payload. But both dealers told me, emphatically and with conviction, that the payload was only for the bed of the truck and the passengers sit over the front axle, so I don't need to figure what is in the cab ????? I have NEVER heard or read this before and told them so, but they only repeated themselves and sounded very sure. They pointed me to the 1500/150's. Now I'm confused. The first dealer I just blew off as not knowing his stuff, but after the second dealer said it too, maybe I'm missing something?