Well that confirm what I suspected. Thanks. So the answer to your original question is you will be overweight most likely. Your tongue weight plus weight of the quads, plus weight of all passengers in the truck plus the weight of the wdh itself, the weight of all gear in the truck and truck bed, all come off that 2095 lbs.
My guess is even with wdh set properly, you will still be over your payload limit. I would not, and do not do that personally, but to each their own. Have I ever run a half ton truck over payload on a rare occurrence, yes but it was rare and not a reguar deal.
Lots of folks with 2500s pull large 5th wheels with them and disregard the payload limit and go by rear axle rating since 2500 and 3500 are the same on our trucks with the exception of the rear springs. 3500 uses leafs, so folks put airbags on the 2500 to compensate. I am not saying you should do this, but it's done.
There is lots of debate out there about exceeding payload ratings versus your state registered weight limit and legal ramifications if your caught overweight or get into an accident and injure someone, etc. Personally I stay within all weight limits. Axle, payload and state registered weight, but that's just me. Thats why specifically bought a gas powered 2500, so I know I have plenty of reserve capacity. I like more margin than most.
So do your homework and then make a decision. As Vern said get it weighed and adjust the wdh and see where your at, then go from there. Good luck.