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Umm, all I have to say about that is unless you're towing commercially you aren't going to be put on any scales.
That is true. Our trucks are build to haul and the limits were set by lawyers.
Even my truck is rated GVW 15k, I have it at 20k quite often when I haul gravel from local yard. Funny part I am weighted there since the gravel is sold by the weight, but no police monitors the yard.
Even with 10k payload my suspension still has about 2" of travel left and I do have good control of it.
My tires ratings add to 22k
Still -I see bid difference between local hauling and taking 2000 miles trip with the load.
I run 35 foot 5er rolled across the scales at 21500 , 5th wheel is rated at 10500 dry just to give you an idea of what that toy hauler will weigh loaded with normal weekend at the lake type gear in it.
There is a big difference with or with out trailer brakes, i agree about stopping, we can pull anything, just can u stop it...I think thats the big deal.
As far as I know all recreational trailers of last generation do have brakes, so that might be not the main issue. When you observe pictures from RV accidents, most common seems to be overturning. Strong winds can create fishtailing, while doing emergency braking on turn can easily kick the set-up sideways.
We do tend to overload no matter how big vehicle we drive, so the main issue is liability.
Even when somebody else create an accident that your rig was involved in, but the investigator puts your setup on scale and finds that it was 2000 lb overloaded - you are in big trouble. That doesn't happen too often, but are you ready to be an exception?