2nd Gen Payload Capcity & GVWR

So I understand my Curb Weight for my 2011 DCLB Automatic is 4190 lbs. And Payload is 1100 lbs.

Does the payload include full gas tank which is usually 130 lbs. After full tank is your payload essentially 970 lbs? Or is a full gas tank part of the curb weight.

Assuming the fuel counts as payload and with a ARE CX topper and the family in it I am left with about 392 lbs in cargo capacity. I think I will be good once I add camping gear in it. Anyone else drive over the GVWR every now and then? Any big deal?

 

Also just realized the 1100 lbs payload is what it shows in the Canadian 2011 brochure while in the states brochure it shows as 1260 lbs. What is up with that?