As is the case with most equipment issues, hauling rigs are best "over-kill" as opposed to "under-kill". (or even-kill ?????)
If you are closing in on the recommended towing capacity of a truck, it may be best to jump up to the next level. Same applies to trailers. A 7000LB load with a 7000lb towing capacity will "work", but in some situations, like braking in a panic, you'll see why the limit was set at it's recommendation.
I would suggest a 25% saftey factor on GVW ratings as a minimum.
It's not about what you can haul under most conditions, it's about what you can haul under ALL conditions.
Panic braking, dealing with pot holes, cornering at speed (that loads one side of your suspension), and any other unforseen situations will take you past your safe limits in a heartbeat.
Then consider you don't always get to load a trailer just the way you want. An unusually long implement will make you load the weight of the tractor forward or to the rear of the trailer, as opposed to right where you want it. That may load the trailer "heavy" or the truck.... You need a margin of error.
I haul a 6500 lb tractor, with as much as 4000 lbs of "implements" on a 25' gooseneck (14,000GVW) . I tow it with an '04 Dodge 3500 (Cummins HO diesel/automatic) The longer trailer lets me move fore and aft to position the weight where I need it. I try to scale about 2000 lbs of the load on the truck. With the position of my trailer ball, I end up with about 10% of that load on the front axle of the Dodge. Makes for a nice, safe load.
If you plan on one or two "loads" a year, you can cut it close, and PROBABLY get away with it. But.....If you're going to haul often, go overkill.
Also, in closing, your truck will last much longer, and have fewer problems, if it should be substantially heavier than your basic requirements. Hauling at maximum load will shorten the life of ANY truck.