With a TT I'd try to stay a bit under since you will probly pull it a good distance. As someone else said, distance means a lot. I have no problem pulling the skiddy and a bale at roughly 16.7K a short distance. Truck handles it fine, but I wouldn't want to drag it 1/2 way across the state if I had a choice. Higher speeds and hills would really make me hate it. Old man has a 5th wheel camper that isn't far below his max towing and does it fine, could use a Roadmaster or bags for a little nicer ride but doesn't sit overloaded or anything. Has the same ratio as you do too. 3.73's would probly help a lot and would make it even loaded a good ways below his sticker. He's still looking around for an F250 just because the towing for the farm is far heavier at times than what that camper is.