Right, I think we're on the same page.
As for the GVWR, the DOT man doesn't care about that. So long as you've got enough tag to cover the load, you're good. GVWR is mostly for Federal regulations... the whole class 1/2/3/etc truck thing... "Best towing capability in its class", etc. If you look at the sticker on my Dodge, the GVWR is about 9k, which puts it right in class 2B with the rest of the F250s and stuff. But if you add up the axle weight limits, it's over 11k, which should put it in class 3 with the F350s and 3500s. Basically, the GVWR number is a little arbitrary, and can be shaped by things like CAFE standards and Federal truck classifications that don't necessarily correspond to the actual load carrying ability of the vehicle.
Not only that, but NC Chapter 20 grants exceptions if the vehicle has been modified to carry additional weight. So if you put 19.5s and air bags on your F250, then you might be able to carry more weight than the sticker says.