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If you want to convert it to a toy hauler later, I'd order your cargo trailer with the kitchen and bathroom already installed. It will be much easier than retrofitting later. And for long drives, the kitchen could end up saving you some bucks after a while.
Forest River sells the work and play series, and other like Haulmark have those as options.
I wouldn't be scared of a tag trailer. That's all I tow, and it is not tiring one bit. I have not any any sway or instability problems. I'm not even using hitch weight distribution hitch (trailer GVWs ~8-10,000 pounds).
Proper loading does more to prevent sway than any hitch.
You should not try towing a 12,000 GVWR trailer with a Jeep. Nothing good can come from that.
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2000 E350 DRW XLT extended wagon (yes! it's a dually!)
17" Ultra Goliath rims
Banks Powerpack, Diablo Predator
Buckstop front bumper, Reunel rear w/ 20,000# reciever
250,000+
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