...You need to make sure MTPLM is within tow vehicles specfication and it isn't exceeded. If there is an accident these will be things insurance company and police look at. Also combined mass is within your drivers license rating.
This is not true. Your not comparing apples with apples.
The MTPLM of a trailer is a weight limit not a measured weight. It represents the maximum whole weight
limit for the trailer (summation of all points of support). It is not the same thing as the trailers towed weight which is only the
measured load on its road wheels.
That is an important difference becasue the the towed weight limit for the tow vehicle only looks at the load on the trailers axle, and does not include any of the vertical load supported by the tow vehicle hitch.
As far as the legality of towing, in theory you can to a trailer that has any MTPLM, provided when it's loaded
measured weight in combination with the tow vehicles
measured weights does not exceed the tow vehicle legal limits
In simplistic terms, if drivers ensure trailers are not overloaded and its MTPLM is less than the tow vehicles towed weight limit, the outfit should in terms or weight limits should be legal, but your possibly not maximising your load capacity.