Tow ratings are pretty relative.... and (technically) meaningless. They are based on the SAE J2807 testing procedures which includes things like towing on a hill, stress testing the cooling system... yadda yadda.
But if you are towing in cold weather on the prairies where it is flat like a pancake (just as example) then (technically) you have to ask how relevant that tow rating is to you. Speed is also a major component in safe and effective towing. What is unsafe for a given rig at 60mph, changes completely at 40 or 50
Not withstanding, tow ratings are completely different for the same equipment in different parts of the world. The (later model) Jeep Rubicon has a max tow rating in North America at 3500#. The very same vehicle in Australia has a rating of 4500# from the factory and 5500# with an upgraded hitch.
Now there is the law which does need to be respected, but at the end of the day tow ratings are just.... arbitrary ratings which may or may not mean a whole lot given your particular circumstance. One thing I will say about boats and smaller vehicles though.... at some point or another you are going to be on a boat ramp... and if you haven't got the weight and power, you may end up going for a swim.
For the record though.... I pull 5000# with a jeep Rubicon (rated 3500# in North America and 5500# in Australia) with no issues at all. Mind you I don't try and break any speed records either.
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