I'm no lawyer but I am going to take the position that if I "load" the tongue weight into the truck I am "unloading" that amount from the trailer.I don’t think you add tongue to the gross combined. I think you add it to just the vehicle total weight for its payload, should be fine there. You use the trailer weight for the combined.
Seems like this would work if you travel with 2 and maybe a kid. Wet weight is 1640. Hybrid lariat is 3674. Gives you 700 pounds for people and luggage/ supplies. I would be on the tight side but for a weekend trip I think doable.
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