It certainly includes everything connect to the receiver hitch, ie everything in the trailer, fluids in the trailer, and weight of the new hitch, but does not include what is inside the SF Limited such as passengers, and other gear inside the SF GLS or Limited long wheel base. The difference between gross weight and curb weight (ie about 1600 pounds) would make up all fluids in the SF, passengers, gear inside the SF and any weight shifted from the trailer through the leveling hitch to the SF. So between trailer and SF you have flexibility in where you put the weight. I would not load up the SF to the max and trailer weight but you could get close. Certainly fuel mileage would be a lot less with the trailer. I expect up hill speeds and acceleration at maximum weights would be degraded but that V-6 is a hot rod without the trailer so should do fine.