Well, if anyone is still monitoring this thread (or maybe just for posterity), here's an update to my original post. I'll try and keep it short, but...
1. I reweighed my rig at Cat Scales (as suggested) to confirm accuracy. Original weights confirmed although some of the conclusions are now different - see below.
2. My boat is not "overloaded", assuming the 4500 on the water limit is correct. More below...
3. My King trailer is not overloaded, but close (within 170 pounds) to the 4000 lb load limit.
4. The tires on the trailer are not overloaded (a change in my original post) - assuming the load distribution on any of the two axles does not exceed 2860 pounds - it does not.
5. The winch on the trailer (2000 lb) is, in my opinion (and experience) under capacity. This will necessitate a swap out at about $75-100.
7. I weighed each and every item on my boat (but for stuff which is attached). For anything not weighed, I obtained weights from manufacturer's product specifications or, in some cases, had to estimate. My final calculations, using all scale weights indicate I was over in my load weighing by only 47 lbs. I use the more conservative weighed weights below.
8. The gear on my boat weighs 1907 pounds. This includes EVERYTHING but the dry hull. If you want to see an inventory, here is a copy of the Excel worksheet (in PDF format):
http://www.squareknot.net/weights.pdf
Warning this will make your head hurt.
I have a seperate column on this worksheet for loading using only "essential" items, ie, engines, fuel, and basic gear - first aid kits, safety equip, batteries, electronics, and a reasonable amount of fishing gear, etc. The "essential" load weight total is 1750 pounds. There is nothing on my boat that does not have a place/storage spot. There is nothing on my boat I do not use. Maybe there is a difference between typical near and off shore salt water and inland boat loading??
8. According to Jeff at the factory, the basic hull (ONLY - no engines, no batteries, no floorboards, no water or gas, etc etc - JUST the dry hull) has a load capacity of 2000 pounds. I am 93 pounds under this, but over this by about 400 pounds when I load trip gear and people. If I load only the "essentials", I am about 250 pounds overweight when I load trip gear and people.
9. My boat, fully loaded for transport (without people and trip gear) weighs 3830 pounds (hull and gear only). The 4000 model King is rated for 4000 pounds. This weight is under the capacity by 170 pounds, but will be pretty close when I load 100 pounds of trip gear (ice, food, clothes, TV, Tivo, refer - just kidding on the last three).
10. The boat, (full) load and trailer weigh 4920 pounds. This is the towing weight of the package. This is under the combined tire load rating (a correction to my original post). However, this is about 98% of the trailer's GVWR. As previously discussed in this thread, some indications are that only 85% of a trailer's GVWR should be used. I also see different reference to trailer GVWR including the trailer weight and others including only the boat and load weights. If the latter, the actual vs. GVWR is fine (about 86%). If the former, this is stretching it pretty thin.
11. Per the original post, the front axle carries more weight than the rear. This may or may not be an issue - no clear input on this one although King says it's OK so long as I rotate the tires frequently. The front axle, as loaded, is not over the rated tire capacity or the axle capacity. My only question - per the original post- is whether this contributes to poor handling on rough roads. No clear answer here. Maybe more experimentation will give the answer.
BOTTOM LINE: As far as I can tell:
My boat on the water is at or slightly over the factory-recommended limit. (Jeff made the point he has loaded his 22 over 2000 pounds before...) My winch is too small (no comments please). My "towing package" may be close to the GVWR and over the 85% "safety zone" - I can't be sure, but time will tell.
I still recommend that new buyers get sufficient information about their boat and trailer weights and capacities at delivery. Also, run your rig over the scales when you are fully outfitted. I think it is pretty easy to UNDERestimate the weight of gear loaded on a boat. I also recommend that buyers get at least a 3000 lb. winch.
Hope this helps.