I do leave my oem on year round but take it off every 6 months to clean it with WD40. It does start to stick and the key system isn’t the best. I do this for a bike rack. As far as capacity I have towed a toy hauler weighing 6000 lbs without issue. It hasn’t broke yet, paid 400 on eBay 5 years ago. It’s the older version - I had heard they aren’t as reliable but it’s still working.