Hi wg5jim,
Everyone is confused by weights at the beginning. GVWR of 15,500 is the maximum allowed weight for the trailer. Exceeding this number will exceed the design capabilities. When thinking about this number, picture the trailer fully loaded with all your gear and then some, plus all your tools in the basement, and all the souvenirs you bought during your trips, water in the tanks, propane on board. Picture the trailer sitting on the scale all by itself.
The dry weight spec is perhaps also an engineering number, but without any cargo or water, and I think without propane. It's also without any options, and may not include "forced options" that are included on every trailer but weren't in the basic design. So you're right to take it with a grain of salt. When the trailer rolls out the factory door, it goes on a scale and the actual weight is taken. A yellow sticker is attached to the door frame showing the actual dry weight as built. Locally added options will increase this number. If you buy typical options like 2nd A/C, you'll probably have something closer to 13,000.
When you add your tools, clothes, dishes, silverware, books, electronics, bedding, toiletries, etc., you'll probably add between 500 and 1000. Add 50 gallons of fresh water and that's another 400. It's pretty easy to get up near 15,000.
When you picture the trailer on the scale, part of the weight is sitting on the axles/wheels, and part is sitting on the front landing jacks. If you hitch to the truck, the weight in front is sitting on the hitch, which is over the rear axle of the truck. On fifth wheels, the hitch generally carries 18-20% of the total weight of the trailer. So if your loaded trailer is at 15,000, there's about 3,000 pounds of that 15,000 sitting on the hitch. The remaining 12,000 is sitting on axles/wheels. That's 6,000 per axle and 3,000 per wheel/tire if weight is evenly distributed. Of course, weight is rarely evenly distributed, so it's helpful to get individual wheel weights if you have the opportunity.
As for the truck, you need to be concerned with towing capacity, which is the ability to pull forward, and vertical load, which is the weight on the hitch/rear axle of the truck. 3/4 and 1 Ton diesels from the 3 majors typically share the same engine and transmission, so the towing capacity is usually similar. If the 350/3500 has a towing capacity of 15,500, the 250/2500 usually is about the same. But different truck configurations do vary. Duallies can have a higher number. Bed length, 2 vs 4WD causes differences, and so forth. But many people find that a 250/2500 has enough towing capacity to pull a 15,500 GVWR fifth wheel.
Vertical load is another matter. A 250/2500 will typically have a much lower payload spec than a 350/3500 and will be significantly overloaded by adding 3,000 pounds to the rear axle. Your payload might be around 2,500 which would have to also include passengers and pets, bed liner, bed cover, the weight of the hitch, any tools and gear you've thrown into the truck.
A lot of people tow these rigs with 250/2500s anyway. Some add airbags to level them out. There are 2 schools of thought on overloading. Some people say they won't do it because it introduces excess wear and tear and could create an unsafe condition. Others say that's a bunch of hoohaw and it actually works fine.
If you want to find out more about matching truck to trailer, visit
Fifth Wheel Safe Towing.