Towing w/out weight dist -- am I being too conservative?

Tow it home just on the ball, and see how it does. It will probably do fine.

I'd probably install the Sway Pro to help with the Sway, there is nothing to installing it. I installed mine, it is super easy. Blue Ox has instructions, and a video online on how to install.

My dealer would only install hitches he sold, and he wanted $300 more than other places for the hitch, so I drove home just using the ball, and took back roads instead of the interstate to go slow.