Gvwr question - how loaded are you usually on payload?

hello I have a question for you hotshot drivers out there, how loaded are you usually on payload because I'm coming up with that I need to have about 8,375 for cab & chassis or 6,475 for a truck

 

hello I have a question about truck payload how far can I go over with out the truck sagging or how much payload should I leave empty for the truck not to sag and to keep away from over weight tickets

 

hello I had quick question I want to put this much payload on my truck but the only truck I can find is f550

Truck
Tounge weight: 5,000
(4) people: 1,200
(4) Luggage: 200
Dog & food: 75
Total = 6,475

Cab & chassis bed weight
60 ft bed - 1,650
84 ft bed - 1,900

Tell me what trucks suited for this ?