Nobody ever had their trailer start to push the tow vehicle around and said they were glad they had cut it close on rated capacities. Ours is an adequate tow vehicle with 720/7,200 lb. tow ratings, but there are times I wouldn't mind if it was even a bit more "adequate".
Hmm, that’s good input. Makes me think that 720/7,200 should be the starting point, ideally.