Worse case?
If you get in an accident, you can be cited or sued as at fault for an unsafe rig, whether you were or not the one causing it, that's if you survive an accident due to driving an overloaded vehicle exceeding component capabilities. Don't forget to add about 1,000#s for 4 people and all your junk for 3 days camping too.
Unlikely. They would need to prove the rig was unsafe, e.g., something was overloaded. For instance if a tire blew out, it would need to be shown in court that it blew out due to exceeding the weight limit of it. Or if a spring broke, it would need to be shown it broke due to exceeding the weight limit. No court would simply deem a vehicle unsafe because it exceeded the manufacturer's decal. Many trucks drive overloaded legally on a daily basis. Precautions are taken when a truck is overloaded, e.g., it drives slower and has extra equipment.
As long as you aren't overloading any component of the truck, there's virtually no liability you will suffer. Additionally, some components rated by Ford are lowered in capacity due to wheels. For instance, The Visteon 10.5 rear axle can handle well over 10,000lbs. This could be shown in court from the manufacturer, etc. Bottom line is... liability needs to be proven. E.g.... I am driving a truck that overloaded the GVWR by 3,000#. My wheel blows out and I slam into a bus killing 30 people. My truck is weighed and it determines that my tire had plenty of room and was aired up properly. No issues... no liability. Can't sue someone for unsafe rig if you can't prove it was unsafe.
I've heard the "you'll be sued" argument, but in all my internet battles over GVWR
NO ONE has ever pointed to ANY case where someone has been sued due to exceeding GVWR. It's just a myth.