I had a similar exchange with eTrailer. I asked a question through their official avenue, seen
here. I clarified my question in email to the rep and he insisted that Draw-Tite tests their hitch for both uses and the capacity is 750 lbs, or the limit of the vehicle (500 lbs in our case). He acknowledged that the forces are significantly different, and said he understood my point, but that this is how they advise with all hitches.
I pointed out the difference in moments (both from the downward force and the side to side forces) and he concurred, but again asserted that this is considered by manufacturers. I guess Bosal is the exception.