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The towing ratings are suggestions. The 3500-lb limit on a number of them is that the OEM's don't really test them, they'd rather you buy a pickup, etc. What kind of towing is the real question, and many/most can be fitted with a proper weight-distribution hitch that makes them overall compatible, even better than some pickups due to better vehicle performance dynamics (pickups are roll-over prone, etc).
Climate, terrain, expected load and expected distances all play their part. The tow vehicle [TV] may need better wheels/tires, shocks, a trans cooler, etc than as equipped from factory. Other than that, the best choice of a TV comes down to the one best suited for solo duties. Focus there, first.
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