The question is what can I tow with no factory installed parts. The parts to include wiring harness to plug into (no effect on tow rating), 2" receiver same with 2,000 lbs and 4,500 (same) if using a class 3 add on still good for all ratings. Engine 2.4 limited to 2,000 lbs in all situations. 3.2 is needed for it to pull 4,500 but with limitations. Aux cooler part of the factory tow package, this is need to handle the extra heat. Now is where factory or dealer comes into an issue with out the cooler you could still pull the 4,500 lbs but you would be responsible for the transmission temps and would possible to void the warranty as your vehicle was not rated for that load. Same is true for the gearing a lower gearing is to take some strain off the transmission so it you pull and break it could void the warranty. So would a Dealer installed tow package work yes, would it be covered by warranty? probably not. Get it in writing from the dealer that they would cover anything the manufacturer would not (bet they won't) the difference is what the manufacturer will cover not what the vehicle can do. The old rule is your max tow is the rating of the weakest part. On a v6 trailhawk with the tow package it is the max vehicle weight 4,500 lbs if you go down in hitch or even the ball then it would be whatever the weakest part is. I hope this breaks it down to the basics.