"That assumption of a wdh is primarllily limited to RV owners. In the real working world, wdh setups are rare as hens teeth. People hook trailers and tow them when they have a job to do. They pine over tongue weights and where to load the canned goods and have a bathroom scale handy when they’re pulling a TT.
I can’t explain the phenomena."
Even as one who generally tries to stay within ratings, I wholeheartedly agree with this. Buying a truck and RV setup? Yeah, I'll run the numbers and stay within GVWR and GCVWR.
Have to haul something somewhere? Just like back in the day: if the deuce-and -a-half is available, I'll use it. Otherwise, I'll take the heavy duty pick-em-up....slower trip, watch the descents, but will get the job done.
From the time I was 16 (awful long time ago) until probably 40, either work or play involved hauling everything from OTR doubles to lowboys to sno-go trailers with anything from a GMC Astro (when it was a truck, although a POJ truck) to a Jeep Wagoneer to several varieties of Class 1 - 5 trucks. Never heard of a WDH until I bought my 1st RV.
To the OP's question, I haven't seen many vehicles that call out a specific limit on tongue weight, but if the vehicle manufacturer calls it out and you want to comply with the ratings, then a called out tongue weight will (extrapolating backwards) provide a limit on the trailer size, or at least the loading of that trailer. I'd dig into the manual and see if the tongue weight rating is truly the manufacturer's engineered rating or if it's a byproduct of the max trailer weight.