You make it sound as if it wasn't cast in concrete... and if I go 3 pounds over, that I won't die in a fiery crash. This would not go well on an RV board.
It does apparently have a wide built in margin for safety because of laws and insurance limitations.
I do have direct experience on towing calculations due to DOD work with up armored Hummers back from over there.
The end result of the towing has more to do with the rigidity of the frame ( under stress) combined with the aspect ratio of the tire footprint and towing vehicle geometry relative to wind loading of the object being towed. ( that too is considered IP because the vehicle OEM has no clue what the aerodynamics and relative speed you may be driving at so they cannot effectively calculate it)
They all usually default to the wind signature and that's the height they base the calcs on.
Hardly my wheelhouse but that's the guidance we had to go with back then.