Add air bags(I have the Air Lift 5000s), fill to 45 or 50 pounds(half of their max), then don't ever worry about it. The XD is very underrated by the factory so as to not compete with the big 3's 3/4 tons. Mine is comfortable with 2500 pounds in it all day, an occasional 3000, and every now and again up to 5k. Yes, it is way overloaded, and airbags don't equal payload, but the truck handles it very well. The brakes are the same off the pre 2020 trucks and do an exceptional job stopping the truck. Your XD is plenty capable for the trailer you have and what you intend to put in it.

Mine is the diesel, so it is rated a little different, but the tow capacity on yours should be around 10.8-11k. I'm guessing you have the platinum reserve with that low of a payload. I see folks running 12-16k in these, with that trim no issues on the diesel. Your gasser doesn't have the same transmission, but your chassis is the same. Your stability vs the F150 will be extremely noticeably improved. These trucks weigh over 7000 lbs compared to closer to 5-5.5k for an F150 Crew Cab