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Does anyone know how tow ratings are determined?
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It's political. The same vehicle will have a tow rating in one country and none in another.
The Lexus LX400h/Toyota Highlander electric rear axle had an oil cooler option. It was a towing package option, and standard in Korea for some reason.
1/4 ton trailers are sorta standard. How often would you need something heavier?
I have a Westfalia like the last picture. The wheels are out for powder coating right now, But I don't have car with a trailer hitch at the moment.