Genesis GV80 SUV Safe to tow the Micro Minnie? or not?

I read somewhere that the tongue weight should be a minimum of 10% of the trailer weight. So if the loaded Minnie is 5000lbs and my tongue weight should be 500 lbs? As you pointed out, even if I reduce my cargo to 400 lbs from 500, I'm still right at the border to the max?
Also, what is the best way to bring two electric bikes when you have a travel trailer? or if that's even an option?