What I do know is that if I were an insurance company, it is easy to deny a claim based on towing an overweight vehicle and get away with it. They probably don't do it unless there is a fairly good sized claim, but computers allow them to go through stuff quickly and easily. If I were asserting a legal claim for a client injured by someone towing, I'd certainly look into the weight issue as well as hitching, tires, and anything else I could.
Were it "easy" I'd imagine we'd have heard of it. The dynamics of an accident are hard to take apart. Even more so with a TT rig. While what is said appears a prudent approach on the one hand, on the other if it leads to the use of a rollover prone, poor braking TV based on the arbitrary SAE standard, then the failure, the burden falls even more heavily on the owner.
No matter the rig it ought to be hitched up with "the best". That a pickup truck needs a better hitch in some instances than a so-called "lesser" vehicle ought to be reason enough for pause.
The choice of an A/S is already three steps ahead of the conventional trailer. That, alone, is the best kind of start in trying to spec a TV.
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