Going with what you're comfortable with is fine and dandy, but what if you don't know what you're comfortable with, because you've never done it before?
People who know what they're comfortable with do not come to this forum to ask weight questions or how much they should tow with a specific vehicle.
Some people are comfortable towing right at the ratings. Some people are comfortable towing way over the ratings. Some people are not comfortable unless they are way under the ratings. All three of these types are telling rookies that the way they do it is the right way to do it and the only way to do it. THAT is confusing.