fifth wheel
Dry weight is not to be trusted, as it may not include all the options installed in the unit. If you order the unit directly from the factory, this might not apply, but once the dealer gets his paws on it... When buying a trailer, use the GVW of the trailer, as that is the maximum amount allowed, and is a reliable absolute value (of course you can exceed it, but then the trailer is in trouble in addition to the truck
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Toting around a lot of water and/or sewage is usually a bad idea, true, but some might be necessary. Unless you always drive for a short period of time and then stay in a place with full hookups for a long period of time, you may find yourself towing with some fresh water and some sewage, with the attendant weight.
Why would you want to have some fresh water? In case you stop to have lunch, use the facilities and/or stay overnight in a place which does not have hookups (either planned or unplanned). If you are going someplace without hookups for a few days, you may even need to fill the tank before you get there.
Why would you want to carry waste? You wouldn't, but sometimes it is appropriate. Generally you don't want to dump your black tank until it is at least a third full and your grey tank is also at least a third full (to rinse out the hose after the yuck goes through it). And if you have only been in a place a short while, those tanks might not be 'full enough' to dump. Or if you are in the 'boonies' for a few days, you might not be able to dump until you get back to civilization towing with full tanks (at least the fresh water tank should be empty by then
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So it is wise to allow enough extra weight capability for at least a 3rd of a tank of fresh water, and the same for both black and grey water.