We say for two people for 20 days without gasstations, shops, water etc, a rather extreme situation.
1 passenger = 75 kg
2 Helinox chairs =2kg
1 Helinox table = 1kg
2 madrasses Exped 1kg
2 sleeping bags 4 kg
1 Fridge 40 liter 16kg
Water 100 liter. 2.5 liter a day for one person. 5x25 =125kg. I added 5kg for every empty water can
Tools = 20kg
Personal items = 20kg
Medical bag = 1kg
Tent = 4 kg
Food = 30kg
Kitchen stuff = 10kg
Petrol 100 liters 5x25 = 125kg. I added 5kg for every empty jerrycan
Extra battery = 20kg
Solar panel = 5kg
Total for 20 days for 2 people= 459kg (1011.92 pounds).
My payload 545 kg-459kg= 86kg
As I am 86kg (about 189.6 pounds) under the payload I can bring a lot more with me.
You can increase the payload if you take out the rear seat.
I dont know if I have forgotten som vital heavy stuff here but I dont think so.
So the payload is more than sufficient for overlanding with 2 persons in a Jeep Wrangler unlimited for 20 days without any possibility to get supplies.
In the payload at 545kg, its with the driver and full tank of petrol or diesel. We are only 2 in my calculation, one driver and one passenger. So there is no second passenger. So I only add 75kg for one passenger.
My curbweight is 1995kg and it is the totalweight and that is included the driver (75kg) all standard equipment, full tank of fuel.
I come from Sweden (Europe) so we include a driver at 75kg, can read more here
http://en.wikipedia.org/wiki/Curb_weight and probably they count differently in US.
My gross vehicle weight rating (GVWR) is 2540kg and - minus the curbweight at 1995kg gives me a payload of 545kg