Both the caravan and car manufacturers know about the effects of towing on the the actual dynamic loads that can be developed on the hitch, and they have taken them into account when specifying the capability of the hitch and towbar systems.
It is simply not possible for the normal trailer owner to measure the actual dynamic loads, so the the industry suggest a maximum static load which can be measured with reasonable accuracy. The value has been chosen so that it should not exceed to safety margins when under normal towing conditions.
The heavier the static nose load is the more of that safety margin is eroded and there will be more wear and tear on things like the panel work the tow bar is attached to. The effect of vibrations is to multiply the force any mass produces on it support structures, so if you double the nose load it will produce twice the impact loading that any vibrations cause on the assembly.
As far as I know there isn't any formal recommendation to work a hitch as close to its maximum allowed. Please feel free to post evidence of it. I know there are a small number of caravanners who swear by it , but they are not the majority.
The formal recommendation is to aim for between 5 and 7% and as we know from posts on this and other forums, many caravans have difficulty getting up to this percent, either becasue of lower towbar limits or the ability to trim the loading of the trailer.