Where did you get that 4480 lb payload number from? My guess is that you got it from an ad somewhere. What you have to keep in mind is that they are going to put those numbers in the best light possible. When they give a payload number it is based on a minimum weight truck - ie regular cab, 2wd, gas v8, manual transmission, vinyl interior, no power anything, no fuel in the tank, no passengers, etc. The numbers that really matter are the GVWR GCVWR & GAWR's and your true base weight (which I include a full fuel tank and my expected passenger load in). If you are over on any of the numbers (each axle weight individually, gross vehicle weight, and gross combined weight) then you are overweight. Max trailer ratings come about the same way - minimum equipment, lightest truck possible, no fuel, no passengers, etc.