[twindman]

Liability in an accident would be the problem. I am about 400 over my bed weight, but well under (1000 lb) on tow capacity. A 350 would solve your problem. I think they have about 1500 lb more capacity, which pushes you to about 4500 bed weight. When you add in people and fuel and hitch, you are back to maybe 3500-3800 which should handle all but the biggest Montanas.
Oh, and I didn't check price on 3500 when I bought because I thought it would be $5000 or more. Turns out it is only 1500-2000. My mistake.