Many 4x4s are designed to tow up to 3500kg and are plated as such. So having a trailer up to 100% of the vehicles weight is not a mismatch and not unstable. As some people tow caravans at 60mph on dual carriageways then towing at 50mph isn't unreasonable.
When I tow our horse trailer I do go more cautiously than when I have the van on the back. This isn't because it is mismatched or unstable but because we don't want the horses to arrive stressed out.
Life isn't so black and white there are 2 groups of trailers stable and unstable. If that were the case then all caravans should have lon A-frames because that makes for more stable towing. The point of this discussion is that there is no magic figure for weght ratio where at 86% an outfit is unstable and at 85% it is totally stable.
Because in your perception an outfit may be mismatched and unstable, doesn't mean its true. The driver of the outfit may drive this sort of combination every day as part of his job and knows more about towing than us amateurs.
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