Originally Posted by wil01
...In every state I have researched, the sum of the GVWR of the MH and GVWR of the toad must not exceed the GVCWR of the MH. There is no way to reduce those weights. They are provided by the manufactures and are controlling...
I'm not questioning your research, I've seen dumber things.
My bet is combined weight ratings are only used in lieu of actual weights. If not, most of us don't have tow bars rated to pull our tow based on the tow's GVWR.
To the OP, the setup is fine as long as the actually weighs less than the RV's tow rating or the hitch rating (which ever us less) AND as long as the actual loaded combined weight doesn't exceed the GCWR of the RV.
As for liability, make someone prove you're exceeded the limits. Take your loaded RV and tow and have a certified weight certificate. You can get them at most truck stops. This will serve as your proof for someone to prove otherwise.