IT IS FREAKING ROCK SOLID!
I stuffed the whole family up there including myself, and it didn't even care.
(to my wife it was a pretend picnic, and definitely not me using us all as potential crash test dummies.....hehe)
I used pipe insulation around the chain to make it softer and also make it look a little better.
Here is the final look, I ended up shortening the rail a little bit.
This is what the bed looks like before the ladder is installed, and before painting.
There is a guard rail along the side for safety.