[prydey]

If the wdh you found is still available I would buy it. Better to have it and not need it than not have it and wish you did.

I would aim to have a load in the ute, while keeping an eye on rear axle weight, bearing in mind tow ball weight adds about 45% more to the rear axle. I. E 200kg ball weight will be close to 290kg on the rear axle.

Good luck with it all. Common sense generally works.