Higher tongue weights are more stable for the trailer, provided the tow vehicle can manage the tongue weight (i.e. not overladed, no front axle off-loading). As tongue weight (as a percentage) goes down, the speed where the trailer becomes unstable also goes down. Other factors include the moment of inertia (where the most is in relation to the trailer's axles) and center of gravity, as well as trailer wheelbase and suspension, axle, and tire stiffness.
In short.... there's a lot of variables when it comes to trailer vehicle dynamics. Reducing tongue weight, or having an insufficient vehicle doesn't guarantee a problem will happen, but it certainly increases the probability.
If you were moving a trailer occasionally across town, you can often fudge the ratings quite a but since speeds will be lower, and other factors like traffic, fatigue, and weather are easier to accommodate for. But to be shopping for a new truck being used for regular RVing, I think it would be nuts not to just buy something that meets all your specifications.