My 2020 Ram 1500 Classic SLT came with the factory hitch crossmember but did not come with the trailer hitch receiver, which is a bolt on kit that takes about 1/2 hour to install and costs under $100. It completes your under the bumper factory class 3 hitch and includes the holes for your safety chains. Add a good quality slide-in hitch and ball and you are ready to go. Backing up to a ball on your bumper is problematic for the reasons stated before, height issues, strength issues, and damage to your bumper, license plate, and/or tailgate if you miss backing up.....which we all have. I have not been able to find an oem trailer brake module (not buying Chinese), as all are back ordered, so an aftermarket one may be in my future. From years of towing with my light dutied trucks and my duallies I learned one essential thing: Overkill in towing is not a bad thing.........having higher tire ratings, suspension rating, horsepower, hitch capacity, and ESPECIALLY braking is safer than underkill. Don't try to go cheap.......your life and equipment depend on it.