Is the towing capacity really that bad?

[Cased]

I tow the boat 120 miles one way on the highway to the coast. I don't want to be at the max towing capacity while driving 70 on the interstate.

That would be a no for me too and here is the problem for Ford , so many doing different things

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[DHH]

If your going from a ramp to your place not going down a twisty 2 lane at 65 mph I wouldn't worry much
Mine will pull a 5x8 dump trailer loaded down about 5k total but it will be a very short very slow roll on blacktop to where the bronco gets its work badge offroad

It's not as much about whether it can do it or not, it's whether it is rated for it.
I'm fairly confident a 4dr Bronco would have no problems towing well beyond its 3500lb rating, BUT, if you are in an accident and it comes to light that you are using the vehicle beyond its rated ability, you could be held liable.
Others have pointed out that there is no such disclaimer (for excessive trailer weight) in insurance policies, but good luck fighting an insurance company. Better be stupid rich.