4X4Dodger has it spot on!
Maybe it's just internet forums or just the new breed of Rver who over thinks everything he does or just plain lack of experience with actual hands on the subject in which he is posting,speaking third party not from boots on the ground.
I guess the funny thing to me is,all the wrecks lately with an RV involved around here were 8 lug rigs showing lack of experience or driver error "not" with ratings involved at all.
Never in 50 years of towing have I seen an RV wreck based solely on tow ratings or especially payload numbers..Not 1 but I have seen a lot of them based on road/weather conditions or operator error!