Originally Posted by
boisking
Even if you use a fully boxed, heavy gauge beam for the header, that is a lot of stress isolated on a single piece of metal. If you let the tongue reach underneath the first cross-brace/ header piece and tie onto the outer stringer on each side just ahead of the second cross-brace junction (welded at every intersection), you will be able to distribute the stress over a lot more metal and have no worries about the tongue as a weak point. Added plus: triangulation. Second added plus: you can design a little rear-tilt to the trailer deck for easier loading. Refer to HudsonHawk's excellent camp trailer thread for photo instructions about fish-mouthing the tongue spars for an attractive finished look.
Another option that would allow more clearance for a low-to-the ground trailer would be to build it as you have drawn, weld the tongue junction, and get some 3" or 4" x0.25 flat bar and wrap it around the outside corner on each side. If you fully weld all of the edges with about a foot along the stringer and a foot along the tongue spar, you could distribute some of the stress away from that single piece of metal. Add some flat gussets on the top and bottom for even more bracing if you like. This is weaker than my first suggestion, but stronger than nothing. Benefits: lower weight, cleaner lines, and more ground clearance.
A third option (after typing the first two, I think this is my favorite) would be to cut your tongue and stringer to be welded together first. Gusset both sides of the junction with flat bar like in option 2 and then add the header/cross bar to the inside of your sandwich plates. This would be strong, sleek, light, and offer plenty of ground clearance. You could still use a heavy duty header and weld your center tongue spar to it with a butt-weld.
Also, I think seam-welding some diamond plate on top of the stringers will have plenty of triangulation effect. If this is your decking material of choice, just K.I.S.S. and use some angle-iron to brace under the deck.