Wasn't using a toyhauler, but when I was a ski instructor, I had a 27' bumper pull, 1 set of the heavy lugged chains for the 4x4 Dodge QC, and a set of cables for the trailer. Taught all winter, almost every weekend. Never had the chains on either vehicle. Never had a problem. But I usually stayed slow and to the right, and when it iced up or had freezing rain, left the trailer at the resort. I also blew out all the water lines, and the water heater, and just used the water jugs. Put RV anti freeze in the black tank. Made for a somewhat austere camp, but I could get on the lifts early with the instructor jacket.
