Again perhaps a bad assumption, but I generally hear "cargo" to refer to personal items that go in the car. Clothing, backpacks, shoes, groceries, books, etc. H

Again perhaps a bad assumption, but I generally hear "cargo" to refer to personal items that go in the car. Clothing, backpacks, shoes, groceries, books, etc. Hardly a strict definition of course, but that's what I was thinking about, not towed loads or a bedfull of dirt or construction materials, that I might call a "payload". But I hate quibbling semantics; my apologies.