Not much in camping supplies weighing us down and usually travel dry.So what will you tow with the few times you are loaded heavy?:B
Grin aside, it is a serious question. Buy for the worst case scenario and cry once when you write the check. Or buy the bare minimum and cry every time you need more.
Keep in mind, things can change. You may find yourself loading heavy more often than you think. I know that my TT experience has changed a lot over the years. I now tow much heavier and more often than I ever imagined I would.
Your money, your choice.
