how much extra wiggle room do you need when it comes to max load. I figure with my 5d, 500 and accessories it wouldn't be more than 13lbs.
Would a 26lb tripod be ok? I see most are 26lb max and then go to 39 along with the price jump.
50% of the rated load should be plenty of margin to keep it nice and stiff. Even if you went up to the full raged capability, you still wouldn't be in danger of breaking the tripod or head; it would just be rather wobbly.

