The OP can do all that and feel safer for it, nothing wrong with that.
Just spend some times talking to folks about their rig and you will soon discover that most folks are just content to hitch up and go.
Unless they are really underpowered or terribly mismatched they just do not notice any particular problem and feel perfectly content and safe with the way their rig responds.
Unless they tow an extended number of miles, they will not even notice the increase wear and tear on the TV.
Contrary to popular belief, there in nothing illegal about overloading the ratings on your TV. It certainly is not smart. It can be expensive. It can be very annoying. But unless it represents a serious hazard on the road, it is not illegal.