PeterBounder wrote:
Have a 2017 Fleetwood Bounder 35K considering purchase of 2021 Chevy Suburban Curb weight 6100#---Bounder says hitch capacity 5000#. Since i am dinghy towing with little or no tongue weight can i get away with a heavier vehicle. Has anyone done this and had any problems.
I would say no - the hitch rating is the maximum rating, you're taking on a lot of liability if you go over the limit and the hitch fails.
But the hitch rating isn't the actual towing capacity, you have to take the minimum of the hitch rating (5000 lbs), what the manufacturer says the motorhome can haul (if they say anything), and the GCWR-GVWR (well, not exactly, see below), which in this motorhome is 26,000 minus 22,000 = 4,000lbs which is the most you can pull.
However, the GVWR is the maximum vehicle weight if you use up the entire OCCC (weight of the occupants, water, gas, cargo, etc). I couldn't find the OCCC for the 2017 bounder, but found a review for the 2016 that says it's around 2,000 lbs. You should find a sticker in the driver door jamb with these weight ratings.
So if you don't load heavy (especially water), you might be able to squeak by at the full 5,000 lbs towing capacity of the hitch, but even if the RV and all tanks are empty with only the driver inside, you'll still go over the GCWR if you tow that car.
And since the Suburban is apparently your daily-driver, I'm going to guess that you don't have a small family, so you'll probably use up (or exceed) that OCCC. If you fill the water and propane tanks, that's already almost 1,000 lbs, only leaving 1,000 lbs for you and your passengers and all of your gear.
Bottom line, if you want to be safe, stay under 4,000 lbs with the tow vehicle and get yourself weighed when fully packed and all passengers inside. Watch the axle loading, it's rated for 8,000 lbs front, 15,000 lbs rear.
https://recreationalvehicles.info/2017-fleetwood-bounder/