A few years ago I would have supported the OP and written about the various combinations that I used that others thought were inadequate. Although I never had any incidents or problems my judgment has changed with time and I am getting more like I hate to say it the WP (weight police). For someone new to towing esp long trailers I say stick by the numbers. Find a suitable tow vehicle that is rated to carry the (loaded) tongue weight and all cargo and persons who will travel in vehicle. To do less you will be assuming more risk and more stress driving. I had done it myself but prefer not to now.