Just a couple of designer/engineering points....
all things designed & engineered are NOT for the good days when a riding lawn mower
'can do it', but for the warranty period (plus some margin) and worst day out there
The issue(s) will not manifest itself/themselves instantly...it will take some
time.
Maybe to folks who buy and trade ever few years will not ever experience ratings
failure...unless the over loading is extreme...
Monocoque/uni-body can be designed to be tolerant of WD forces on the belly pan
but that would mean increasing the box section and gauge