Rhagfo;
Not sure what your point is but it seems to me that the overwhelming majority of lively weight threads involve half tons and what they can and cannot safely tow. :h Maybe we should revive the half ton towable fiver nonsense... just kidding. Re read the OP's initial post and you'll see it is all about what insurance companies can and/or will do if you are in an accident and are overweight. We've drifted a long way from there.
I have my doubts that insurance companies are going to turn a blind eye to flagrant excess weight that may have contributed to an accident. Even if they pay the claim you will pay dearly when you try for new insurance {if you can even get it}, and civil liability always lurks.
For the record.... I could care less about dry weights and so called towing capacities as they are both a complete joke. I do get concerned when folks exceed, often grossly, GVWR/payload and GAWR. To do so is foolish and potentially dangerous but endlessly rationalized in these discussions. INHO: If you need "X" amount of axle capacity or GVWR/payload then buy enough truck {or less trailer}, instead of going cheap and arguing that it really is not an issue.
It is still a semi free country where {sadly}, folks buying RV's will usually vote with their wallets instead of their brains.
As always.... Opinions and YMMV
:C