What almost everyone who doesn't tow rv's tends to forget is static weight vs. adjustable weight. More than 80% of the weight on a camper can't be adjusted. Cabinets, appliances, wall framing, ACs, etc... can't be moved to lighten the tongue weight. Couple that with furniture and that most travel trailer storage is in the nose and you quickly learn that tow ratings are all but useless to go by. There's just no way to adjust enough weight to lighten the tongue enough to ever reach the max tow rating of the truck. People will try and then end up with a super light tongue and a squirrely trailer. Then there's frontal area. You're towing a giant box that is far from aerodynamic in most cases. All of those things combined mean that you typically need to be well below your tow rating to tow a specific camper. It's easy math... but it's different. You can fudge the payload number and sometimes slightly exceed it if you just have to.. but don't exceed the RAWR. I too fall into the category of towing at around 80%. I never max out my capacities and knock on wood, never had a problem either.
What chaps my rear end the most are RV salespeople. They always advertise dry weights. The problem is that dry weight is out the window the second it pulls onto the dealer lot and they install propane tanks and batteries. Then any addons they install. They never mention GVWR. Often times they're a few hundred lbs heavier before anyone buys them. Toss in their stuff and it is a LOT heavier than they thought. Folks will use those dry weights as gospel.
I got into an argument with a salesperson at our last RV show. We were looking at the Riverstone 419RD as a potential for when we relocate to Florida full-time. They were advertising that it only weighed 19,000 lbs but only had a pin weight of 2,800 lbs and could be towed by some 2500s. Big sign that advertised this. I took him around to the GVWR sticker. The GVWR on that trailer is 23,950 lbs and the realistic pin weight would be closer to 5,300 lbs. Certainly not a trailer that ANY 2500 could tow in the numbers, and even some 3500s would be ruled out. He said they don't go by GVWR. No kidding....