I went through what you are doing but did the reverse.
I owned a PU truck that would tow my 25' Sportcraft.
But I was changing to a Ford Escape because I got tired of feeding the truck gas.
So I needed a boat and trailer rig that could be towed by my Escape.
I bought the Escape with the trailer pkg and the stronger motor.
It was rated for 3500 lbs towing capacity.
But I learned a long time ago to derate a manufacturer's tow rating.
Trust me on this as transmissions are not cheap to replace.
I used 3000 as my max and wanted to stay closer to 2500 to keep things manageable.
I ended up with a 2013 Lund 1650 Rebel XL and Merc 60hp 4-stroke.
Since then I have added a Honda 8hp 4-stroke kicker and Terrova with iPilot, downriggers with cannonballs, and a bunch of other goodies that added weight.
Now the 60hp Merc that I selected is marginal.
It is really awesome on fuel, but it takes too long to get on plane.
I should have gone with at least the 75, but in reality I should have pushed it to the max rating of 90hp.
Now it's really too late, but that's another story.
My point here is that even though this is my 10th boat, I still goofed.
Get more power than you think you need.
This has been my golden rule on the last few boats and I violated it big time!
Back to the topic here.
Here is a breakdown of what my rig weighs -
Boat - 850
Motor - 247
Trailer - 750
Downriggers and rod holders - 66 (20# each, 8# each weight, plus 10# for holders)
Fuel - 133 (19 gallons @ 7#/gallon)
Gear - 50
3 Batteries - 195
Anchor and Rode - 25
Electric trolling motor - 50
Kicker - 100
Misc. - 25
*********************
Total - 2425
Now add things like - on-board charger, water and fish in livewell, bait and water in bait bucket, cooler with ice, cooler with beverages and ice, cover and bows that you stowed underneath, electronics added, antennas, spare tire, trailer dolly, trailer boat guides, you get the picture.
It's very easy to creep up to the maximum tow rating.
Don't believe the boat manufacturer's tow weight they advertise.
The rating for mine that Lund states is 1912 lbs.
Mine is more than 25% over that published weight.I created a spreadsheet and went about doing a little research to gather the true weight I would have.
Do the same for yourself.
Good luck.
Mac