If you perceive you need more truck that what is rated to tow your trailer, then it certainly isn't fact based. It's a feeling. You're allowed to have them. They might just be different than what others feel. I feel completely safe doing things my way. You feel safe doing things your way. Since both of us are doing just fine with our respective ethos, then logic dictates that we are both operating in a safe fashion despite doing things very differently.
On safety, some would say riding ATV's, motorcycles, and snowmobiles isn't all that safe. Now compare those activities to towing with a SRW vs. a DRW. What will more likely get me hurt or killed? Just leaving the house and driving at all is less safe than staying home. Everyone can pick what they feel is their comfort level for being safe and it will likely be different than others. Again, it's perception.
The good thing about forums like this is that people like the OP can read different takes on things from different posters and make up their own minds as to which of many camps they fall into.