I may be trading up to a much heavier 5er next spring. Can this gear switch be done on the 3. 54 carrier? Also, my 97 is only rated 12,500 towing cap. even with a 4. 10. Anybody see a big problem with pulling about a 13,500 (gross) 5er? I already have airbags and the hitch weight would be fine but what about braking? Maybe it will be time for a 1T but I really don't want to part with my 97 with only 61k miles. TIA! Craig