Avclay,
No, it's not a deck over. The bed of the deck sits a few (not many) inches below the top of the tire. And yep, the ramps are heavy but they slide out from a 'pocket' beneath the bed - pull it out all the way, drop it the ground and then lift the front onto a support bar just above the 'pocket' door. So, it's not like you're carrying them from the side of the trailer around to the back like I've seen on some models. The 'pockets' have doors with clasps that will accept a lock, just in case you're afraid the ramps might walk away.
As for trailer dealers, there are a bunch in and around Albany, but if you're looking to be in VT they're scarce. There's State Line Trailer here in North Bennington, they sell the Cadillac of dump trailers (Moritz, I think?) with a price tag to match. I got mine at Brown's Enterprises in Londonderry, about 20 minutes beyond Manchester.
Here's a link to the manufacturer of my trailer:
http://www.pj-trailers.com/ No idea if they'll sell direct or would do an internet deal (no tax that way either!). Brown's had mine on the lot and they were willing to deal, that made it easy for me.
I'm not familiar with the Ford tractors but my 4110 with FEL & BH is almost 16ft long and weighs - I'm guessing - about 2500lbs, probably more. I have turf tires and the outside tread is 52in, that's the widest point on the tractor...although I'm just remembering the BH stabilizers do sticks out another 8-10in on either side in the retracted position.
Hope this helps!
-Norm