Although I've towed jetskis and a small squirt boat for years behind 3 different Montana's … I'd not recommend anything as heavy as what you are proposing. If you ever get up above the belly pan, you'll see the 10 / 12" IBeam frame and several crossmembers seemingly randomly placed consisting of around 1/4" round stock zig zagging between formed upper and lower sheet metal angle pieces. I think the wood flooring screwed to the IBeams adds as much structure holding it all together as anything else under there.
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