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Close to the rating is fine.  Above the rating is a problem.  If something happens, including someone else clearly being at fault by cutting in front of you and slamming on their brakes- an overweight vehicle can still cost you a lot of money, or land your ass in prison if someone is killed.   With lawyers and insurance companies being as they are today, I'd never knowingly exceed the GVWR or CGVWR of a truck and operate it on public roads.