I have personally witnessed in the last 6 or 7 years, 2 accidents with improperly
loaded trailers.
Saw a TV and trailer do 1 and a half turn spin in Nashville. Trailer turned over and lifted the back of the truck off the ground, when it stopped. Had a family in the truck.
Saw another trailer with an old Firebird on a small high trailer backwards. Merged on to the interstate and sway started and flipped Bronco TV and car and trailer.
Sway control would not have helped either one in my opinion.
But I put one on my 3500 GVWR yesterday, and plan on having 10 to 15% on the tongue.
Years ago, I pulled a trailer behind my Motorcycle, so I learned about proper weight distribution.
Just consider the Sway bar insurance.