With respect to smaller tow vehicles:
1) payload is a non-issue for me because I'm not taking the boat on vacation, I live 300 ft from a beach and it goes on mooring for the whole season.
2) this Jeep has electronic lockers in the rear and FRONT. No other vehicle in recent production to my knowledge has that, except the Mercedes G-500. No matter how bad the ramp is, it has never ever spun a wheel even once. Gravel, slime, broked up concrete etc. Never a problem.
3) short wheelbase, yes not as good for high speed towing, in my situation, narrow streets, narrow driveway, a long wheelbase pick up will not allow me to back it into the driveway.
So it works for me.
What do people in Europe do, who have to tow with mid size SUVs, or even passenger cars? Last I saw they have boats like we do (I guess smaller) but they have a lot of travel trailers there (call them caravans). Same thing in Australia. The biggest tow vehicle you will see is a Toyota Landcrusier. Not much bigger than a Grand Cherokee. And life goes on. They tow caravans across the outback and launch boats not on perfect ramps but off of beaches. Check it out, they do a lot with what they have.