I've never had a problem with being overweight from my personal stuff. My steers usually run 12450, and I've only once had a load that I couldn't get legal and had to be reworked. It was 2000 lbs over on the drives. No amount of personal stuff would have caused that.
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I promise I carry more extra gear than most, maybe about 1200 lbs or more, and I have never had a problem at a scale.