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That's a great question.
I've been towing for about 25 years. Here is some insight. The towing capacity of the vehicle is inclusive of all the gear and passengers in the tow vehicle.
So if you have 4 people and 400lbs of gear in the car and the trailer weight is 1500 and the car with all the fluids and any cargo on the trailer weighs 3000. You would need a towing capacity of about 5700 or more. Additionally you want to make sure you load the trailer so that the back of the tow vehicle isn't too heavy but also isn't too light. I use the equalizer hitch which is a weight distributing and anti sway hitch and worth every penny of the $500 it costs.
Mike
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