Towing capacity vs max cargo weight rating

I try and stay away from the lawsuit conversations and what ifs to follow. The thing I will add is, a person with many assets, and no, or little debt, will always be a candidate for a lawsuit. An injured party, and their lawyer will not waste their time on the average person, that already owes way more than they are worth. Can't say never, but very unlikely.

There are more people out there, driving with no liability insurance, than you responsible members here can imagine. The reason is, they have nothing to lose, other than their license, if they have one, and worst case, a short jail time.

Jerry