Thank you Lutz for defending my point of view,
Graeme,
It has been said on this and many other threads, there are many factors that will affect the stability of an outfit, You mention some, and there are many more, each contributes in differing proportions depending on the combination of tow vehicle and trailer.
It is a complex process, and to rely on a simple weight ratio of car to trailer, is to ignore the other factors which in total can exceed the effect of the ratio by its self. Other major influences are:
The driver,
Speed
Balance of the trailer,
Road surface,
Wind conditions,
Tyre pressure, / condition,
Suspension stiffness,
Suspension sag,
Overhang
this list is far from exhaustive,
It is dangerous to assume that by meeting the 85% ratio an outfit will be automatically safe and stable. I venture to suggest that it is possible to upset the stability of any 85% outfit through the actions of the driver.
I seem to recall from a long time back on this forum, a posting that found a particular combination of tow vehicle and caravan that was a real handful yet it fell within the 85% ratio, and others have posted in this thread that some outfits at 85% have remained stable at well above the UK speed limits. Others report that ratio's above 85% have proven to be stable. So the 85% figure is not a holy grail, but a sensible target, but as always the driver must be alert to the possibility of difficulties.