I might add a couple items to consider. The state may allow 20K on the front axle but very rarely does any M.H. have 20K rated axles or tires. Usually they are only found on heavy haul trucks. 18K may be on Magma, Newell, Bluebird, most others are 16K fronts or lower.
A single rear axle maybe rated for 20K with 4 tires but m.h. with a tag axle (6 tires) will often overload the tag (2 tires), especially when adding a trailer.
Towing capacity may be 10K but tongue weight is the most important number to consider. Long rear overhang plays havic by overloading rear axles, severly effects steering and braking.
I agree that many, many m.h. go blissfully down the road and it may not affect them until they can't stop and plow into some cars. That is when the attorneys and insurance co. wants to know the details. Who will pay.
Bruce Jennings driving a SUV pulling a trailer with ORV, plows into stopped cars, one person dies, is example of million $$ suit. Did trailer have brakes?? Were they working?? What was GVW? or GCVW. You can bet they will dig all that up. Stay tuned.