Question on Towing and Weight Distribution for a Newbie

So in others words for anybody here to try to extrapolate that being over payload therefore equals a higher risk of crashing and/or dying/causing the death of others.....let's just say that's a pretty large leap of logic.

In fact, if we just look at the stats involving large trucks and busses, we might ( incorrectly ) conclude that being within payload is more dangerous.
Oh dear, the games we can play with numbers.