Montana HC's are built to be a light version 5th wheel. Everything in them is made lighter and therefore won't hold up as well as a designated full time 5er would. JMO but any trailer that uses OSB in it is not considered to be built strong enough for FT'ing. If they're using OSB board then they're purposely cutting back on strength and longevity. Where else are they cutting corners?
How long of a warranty do you have left? And how long do you plan to FT?
There are many after market warranty ins plans you can buy. Make sure you read the fine print 1st.