Yes, I know it’s cutting it close. Tongue is rated for 400. Since the trailer is only rated for 3500, I don’t travel with much of anything in the boat anyway. We only trailer it a couple times a year to and from the marina, so we don’t need to have the boat loaded up with anything. Daily driving a full size truck just for that was pointless. It won’t work for everyone, especially if you are outfitted for extended cruising or have a big 4-stroke. But it meets our needs as a fuel efficient daily that can still pull the boat occasionally when needed.