You are not reading correctly. J2807 as mentioned only applies to GCWR/tow ratings.If I'm reading everything correctly the payload assumes a 150# driver and a 150# passenger (300# total). If you have a 200# driver and 200# passenger (400# total) wouldn't you only subtract the difference ... 100#? That would leave you a 882# payload.
As far as GVWR and Curb Weight, all passengers and fuel count against the payload numbers listed here.
for example, the 4-door FE has a MAX payload (with the fewest options selected) of 924. ALL passengers (including driver) and fuel (and cargo and trailer tongue weight) count against this.
to me it looks like no 4-door Sasquatch config has a payload capacity north of 1k lbs, and my 4-door FE will be able to lug around a whole 40 more lbs than my Tesla Model Y. Seems about right given the Model Y has a 3500 Max tow capacity as well, and probably more cargo volume!