Pin weight will be the issue with the 3/4 tons Trucks, have owned several Duramax's never a issue. The GM Duramax has plenty of HP, the other issues is stopping the weight. I also don't believe in gadgets to increase HP/Torq, thats a personal choice but the GM HD Trucks don't need any more HP. Its very simple stay in the weight ratings and you want have a issue. I didn't own but one 2500HD and it was towing within all weight ratings. I moved to a larger 5th wheel and went to a 1 ton GM 3500HD DRW's. I do believe the 1 ton Trucks are much safer when towing heavy than a 3/4 ton. As for as Insurance companies, I have never seen any evidence were a Ins. company failed to pay for damage from over weight. I have also never seen a LEO pull a 5th wheel over and weight the Truck or 5th wheel. You will read about this comment often, its always hearsay no proof. Good Luck with YOUR decision..... Happy Trails.....