i have to throw a flag on the play
i am rated at 15500 for the rv
i am always very near max axle rating of 12k lbs and total trailer weight 14-15k
and usually 2200-3000 lb pin wt
i am sure i nearer the 95% range
i think the idea of having a certain percentage left over, is optimistic
i completely agree towing around at max weight and the truck is laboring is not fun and sort of takes the fun out it, REALLY
but that's why i have a bigger truck , i tow with cruise on most of the time and just drive.
the key to me is to have the right set up
if you have a half ton truck then don't plan to pull a monster,
if i go up in size for the rv, then the next truck will be a OTR truck converted to pull rv,s
this is just my opinion