Payload problem when towing. I have never towed. I want to replace my 2001 Tundra with a 2010 Tundra, 5.7, SR5 4x4 to tow a 7,000 lb. TT(when loaded). The problem is the payload (with tow package) is 1564 lbs. Deducting the 540 lb. "hitch weight" leaves 1,025 lbs. With 4 passengers (600-800 lbs), fuel (180 lbs), canopy (200 lbs), I am at or above the payload limit without putting any cargo in the bed. Is this a legitimate concern? I want to be well below limits, so after dumping the canopy, what are my options? If air bags, any concern about the frame or other components? Please do not tell me there is an F-150 or 250 in my future.