U-Haul trailers are too heavy for that setup. My truck has a 6,300lb capacity, and a tongue weight of about 600lbs. I try to stay below about 5,800lbs total weight. I use the U-Haul trailers about 90% of the time.
U-Haul trailer = 2,000 lbs
Z = 3,400 lbs (for the purpose of this discussion)
Driver = 210lbs (me)
Gasoline = 18 gallons x 6lb = 108lbs
that's about 5718lbs with me, the Z, the trailer, and fuel. I would be very uncomfortable going much higher than that, given the capacity rating of the truck.
In general exceeding 90% of your limit is not a good idea. If anything goes wrong you are much more likely to have a bad outcome from it.
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