It has been my experience that when a vehicle is seriously mismatched to the load you know it.
Also, when the tow vehicle is 200 lbs. over the max cargo limit, it handles about the same as when it is 200 lbs. under the max cargo limit. You are hauling a load either way and the harder you work your vehicle the more wear and tear you experience.
My first towing experience was with an F-150 that had enough towing and cargo capacity but only had a 200 hp. motor with a four speed transmission. Slow to accelerate difficult to keep from down shifting. Some might consider it a white knuckle drive.
We had a great time in the Ozarks because I only asked the vehicle to do what it was designed to do. That meant 60 mph on the flats and 50 to 55 in the hills, while constantly adjusting the gas peddle to keep from down shifting. It reminded me of the 1955 Ford my dad gave me to drive in high school.
Naturally we upgraded to a newer E-Boost F-150.